Smart Money Bro — Weekly Economic Brief

Watch the full Sunday economic breakdown⬇️

➡️ Last week delivered two of the most important economic signals we’ve seen as we head into year-end: inflation continued to cool, and the job market continued to soften. Together, these tell us a lot about where the economy is right now—and what matters next.

1. Inflation Update: Cooling, Not Crashing

Friday’s CPI report confirmed continued progress on inflation:

• Headline CPI: 2.7%
• Core CPI (excluding food & energy): 2.6%

These numbers are well below the levels that caused so much pressure over the past two years.

Why it matters:

Inflation isn’t “gone,” but it is controlled. That reduces pressure on households and reinforces why keeping too much money sitting in cash can quietly erode purchasing power over time.

2. Jobs Report: A Clear Shift Is Underway

The labor market continues to cool:

• Unemployment rose to 4.6%, the highest level we’ve seen in several years
• Hiring is slowing
• Wage growth is normalizing

This isn’t a collapse—but it is a transition into a slower phase of the economic cycle.

Why it matters:

A softer job market is one of the main reasons inflation is easing. It also means this is a season to prioritize stability, flexibility, and intentional financial decisions.

3. What This Environment Tells Us

Cooling inflation combined with a slowing job market is exactly what a late-cycle economy looks like. The biggest risk right now isn’t panic—it’s being unintentional.

That’s why I recently broke down the hidden cost of holding too much cash, while also warning against reckless or emotional moves. If you missed it, I break this down in more detail here: Too Much Cash?​

3 Smart Moves for This Week

Keep it simple:

• Review your cash position - Make sure your cash has a purpose (emergency fund, near-term needs), not just fear.
• Stay consistent, not reactive - If you’re investing regularly, consistency matters more than timing in environments like this.
• Protect flexibility - Be cautious about locking into new large monthly payments while the job market continues to soften.

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▶️ Watch This Week’s Sunday Economic Breakdown

I walk through the CPI data, the jobs report, and what this all means in more detail here:

📺 Tap below to watch the full breakdown

Watch HERE​

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“The best person to take care of the old you… is the young you.”

— Eric | Smart Money Bro®

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