Kyle Talks
Welcome to Kyle Talks, where I’m Kyle and we talk! In this podcast we focus on society, culture, & business! We interview amateurs, professionals, winners and those who are struggling along the way. What can we learn from society and how can we participate in culture? What does creating culture look like for rap artists, producers, youtubers, and even streamers? What’s this health professionals' ideology behind modern science? How can I be better? More important;y, is a hotdog a sandwich? On this podcast our goal is to talk to anyone and everyone. To learn, laugh, cry, and even create with others. We create a culture of communication, learning, and laughs. We sit down with people from all different walks of life, chat with them, and laugh with them. At Kyle Talk’s the name of the game is connection. So, go ahead, download a couple of episodes and get plugged into community and culture! Let’s talk!
Kyle Talks
(#184) Ficonomy: Why Money Feels Harder Right Now (And What You Can Do About It)
In this episode of Ficonomy, Kyle breaks down three major economic stories shaping everyday financial decisions — without jargon, panic, or political spin.
This episode focuses on what’s happening, why it matters, and what you can actually do today.
📉 Inflation: Why Prices Still Feel High
The latest inflation data (PCE — the Fed’s preferred measure) shows inflation has slowed but remains above the Federal Reserve’s target. This means borrowing costs are likely to stay elevated longer than many hoped.
What this means for you:
Money still doesn’t stretch as far, and interest rates on loans and credit cards aren’t coming down quickly.
What you can do now:
- Review your budget with essentials in mind
- Prioritize paying down high-interest debt
- Avoid assuming rate cuts are coming soon
💳 Credit Card Interest Rate Cap — Promise or Politics?
A proposal to cap credit card interest rates at 10% has sparked headlines, but it’s not law and faces major hurdles. Even if passed, it could change how banks offer credit, rewards, and approvals.
What this means for you:
Waiting for policy changes to fix high-interest debt isn’t a strategy.
What you can do now:
- Explore balance transfers or lower-interest options
- Reduce revolving balances where possible
- Understand your APR and payment structure
👨💼 Jobs Report: Slower Growth, Steady Employment
The latest jobs report shows slower job growth, even though unemployment remains low. This signals a cooling labor market, not a collapsing one.
What this means for you:
Wage growth may slow, and job mobility may feel tighter.
What you can do now:
- Focus on skill development and career stability
- Build or reinforce an emergency fund
- Avoid overextending financially based on job optimism
🧠 Why This Episode Matters
Economic headlines affect how we borrow, save, and plan — even if we don’t follow markets daily. Ficonomy exists to make these moments understandable and actionable.
Links:
Social Media:
Insta/X: kyleTHEhorton
Youtube: Kyletalkss
Tiktok: KyleTalkss
Intro: Head In The Clouds by Matthew Morelock
Outro: Surfaces Type Beat - Jellyfish Beats