The Fed won’t be lowering rates as soon as we/they hoped. (& fed student loans are back.)

Economically speaking:

Companies need to make their cash last longer and

[Consumers are] going to skip an iPhone cycle. They’re going to skip upgrading their car, you’re going to keep your car an extra 2 or 3 years. And if you were thinking about moving your house, you’re going to say ‘you know what, I’m going to make this house work.’

These behaviors have already started, this could be the nudge that entrenches them.

Messaging that’s 2-3 years old is now completely outdated. Adapt to now.