The New Rules of Personal Finance in a High-Rate World
Higher interest rates have upended old assumptions about saving, borrowing and investing.
A prolonged period of higher rates has rewritten personal finance playbooks, rewarding savers and punishing heavy borrowers.
Advisers now emphasize cash reserves, debt reduction and diversified income.
Younger investors face a very different landscape than the low-rate decade before.
The lesson: adaptability matters more than any single strategy.
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