On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down a surprisingly tame inflation report that has Wall Street (and maybe the Fed) rethinking the pace of rate cuts in 2026. But don’t get too comfortable—there are warning signs in the job market that suggest the economy is cooling, not roaring. The guys explain what it all means for interest rates, your mortgage, and long-term investing strategies. Later in the show, they dive into the delicate family dynamics that can erupt when estate plans aren’t clearly communicated—think unequal inheritances, caregiver credit, and vacation home squabbles. Plus, real estate expert Michelle Sloan joins the show to walk through the pros and cons of downsizing into a condo versus staying in a traditional home. And in the Simply Money mailbag: when do alternative investments make sense, how to coordinate charitable giving without triggering higher Medicare premiums, and why your IRA investments shouldn’t change just because you plan to leave money to charity. Finally, in Brian’s Bottom Line, a financial planning playbook for high-net-worth investors in a slowing economy: diversification, liquidity, tax efficiency, and more.

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