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There’s a lot of noise — and a lot of misinformation — about the Federal Reserve’s true influence over your mortgage, credit card, and car loan rates. In this episode, we cut through the nonsense and explain what the Fed actually controls (hint: it’s not what most people think). From misattributed Mark Twain quotes to fiscal recklessness driving long-term rates, this is a reality check for anyone blaming Jay Powell for everything under the sun. The truth? The Fed doesn’t have a magic button — and our real problem starts in Washington.