The Fed held rates steady again—but don’t relax: another hike could come as early as September. Borrowing costs may rise, hitting credit cards and variable loans. Audit your debt, consider locking in low APR offers, and look for ways to cut costs. Meanwhile, savers are winning—CDs and high-yield accounts offer rare returns in two decades. Watch the Fed closely; the economy’s holding strong, but rates could climb again soon.
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