What if "higher for longer" just means normal?

That's the question Colin and Jacob dig into on this week's episode of The Free Lunch Podcast, and it's one worth sitting with.

For most of the last decade, ultra-low interest rates felt like the baseline. But historically? They were the anomaly. Colin and Jacob talk through what the new Fed chair's first meeting signals, why the bond market matters more than most people think, and what today's rate environment actually means for retirees, homeowners, and long-term investors.