Inflation has dropped to 2.7%—the lowest level since spring 2021. Core inflation sits at 2.6%, nearing the Federal Reserve’s 2% target. Clay explains why this matters for everyday Americans, connecting the dots between Biden-era spending, skyrocketing prices, and the aggressive interest rate hikes that froze the housing market. He recalls how inflation surged to 9.1% in June 2022 after trillions in stimulus spending, driving mortgage rates above 7% and locking millions of homeowners into historically low rates from 2020–2021. This “housing freeze,” Clay argues, remains one of the biggest drags on economic mobility. Clay then pivots to President Trump’s primetime address, highlighting key announcements that could reshape the economic landscape.

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