The Federal Reserve has been in the news a considerable amount lately with markets on edge to hear if the Federal Reserve will "raise rates" or "lower rates".  When they raise and lower rates, they are actually raising and lowering a rate called the "Federal Funds Rate" or "Fed" Funds Rate.  In this episode, we examine what the Fed Funds Rate is, why it is important, and how it impacts investors when the Federal Reserve decides to change that rate.