In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions explain what happens when the Federal Reserve changes interest rates — and how those decisions can directly impact your retirement plans.

They break down how rate hikes and cuts influence savings accounts, bonds, mortgages, and investment returns — and why retirees should think differently about risk when the Fed acts. Sam and Linwood discuss the connection between inflation, borrowing costs, and portfolio income, offering practical insight for maintaining balance and stability during changing economic conditions.

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00:00 – Introduction: Why the Fed’s decisions matter

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