{"id":286423,"date":"2026-01-15T21:20:08","date_gmt":"2026-01-15T21:20:08","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/286423\/"},"modified":"2026-01-15T21:20:08","modified_gmt":"2026-01-15T21:20:08","slug":"3-smart-money-moves-to-make-no-matter-what-happens-with-interest-rates","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/286423\/","title":{"rendered":"3 Smart Money Moves To Make No Matter What Happens With Interest Rates"},"content":{"rendered":"

The Federal Reserve is meeting for the first time this year on Jan. 27 and 28, but the odds for a rate cut this month are minimal. After December’s job report<\/a> showed both slower job growth and a decline in the unemployment rate, Barclays and Goldman Sachs pushed their predictions for a cut to the second half of 2026<\/a>. <\/p>\n

Fortunately, you don’t need to wait for a change to the federal funds rate<\/a> to take control of your finances. <\/p>\n

“I always try to help my clients build something that works no matter what the Fed does,” Don Grant<\/a>, a CFP at Sabre Wealth<\/a>, told CNBC Select<\/a>. “The bottom line is the importance of planning \u2014 having a financial life that isn’t based on what the Fed might or might not do, but one that’s designed to weather the storm.” <\/p>\n

No matter what happens with interest rates, these financial strategies will always pay off.<\/p>\n

1. Tackle high-interest debt<\/p>\n

Regardless of whether the Fed raises or lowers its benchmark rate, paying off high-interest debt is always a smart move. Credit card bills are a big culprit, and interest rates are already so high that a small decrease won’t make much difference<\/a>. <\/p>\n

One common strategy for tackling credit card debt is a balance transfer card<\/a> with an introductory 0% APR period. This will stop the clock and give you months to pay down your bill without accruing additional interest. It’s only a wise move if you have a plan to pay the full balance by the end of the intro period \u2014 otherwise, you’ll be hit with another hefty APR. <\/p>\n

The Citi Simplicity\u00ae Card<\/a> lets you pay off your debt interest-free for 21 months, before switching to a 17.49% – 28.24% variable APR. <\/p>\n

Spotlight<\/p>\n

Receive a 0% Intro APR for 21 months on balance transfers and for 12 months on purchases from date of account opening.<\/p>\n

Good to Excellent670\u2013850<\/p>\n

See rates and fees. Terms apply. Read our Citi Simplicity\u00ae Card review.<\/a><\/p>\n

Information about the Citi Simplicity\u00ae Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.<\/p>\n

Our expert take<\/p>\n

The Citi Simplicity\u00ae Card may not earn rewards, but it can still save you money due to its amazing intro-APR offers.<\/p>\n

Pros & cons<\/p>\n