☕ DrinkCoffeeAndProfit
Smart money moves before breakfast
PARTNER MESSAGE
Trump Is Preparing a Financial Executive Order Unlike Anything Since 1971. Here’s What It Means for You.
Love him or hate him — and if you’re reading this, you love him — Trump plays to win.
He won in 2016 when nobody thought he could.
He came back in 2024 when they threw everything they had at him.
And right now, he’s preparing what insiders are calling the most consequential financial executive order any American president has considered in over 50 years.
This isn’t about tariffs. It’s not about the border.
It’s about something that touches every dollar in your pocket, your savings account, and your retirement.
The last time Washington made a move like this:

One asset gained 2,300% in under 10 years.

The people who saw it coming changed their financial lives forever.
This time the stakes are even higher.
The U.S. is sitting on 8,133 tonnes of gold valued at 1973 prices.
One executive order from Trump corrects that — and sets off the biggest wealth transfer most living Americans have ever witnessed.
Trump’s base has always been the people the system forgot. Hard-working Americans who played by the rules while Washington rigged the game.
This is your chance to get ahead of it — before the order is signed — using the same strategy the ultra-wealthy have always used.
Inspiration Quote for the Day
“In any moment of decision, the best thing you can do is the right thing. The worst thing you can do is nothing.”
— Theodore Roosevelt
The Morning Ritual
The Rate Didn’t Move. Your Bills Did.
My neighbor Dave texted me at six this morning. “Fed day. Should I wait on the refi?” He has been asking me this since January. Five Fed meetings. Five holds. Same kitchen table, same coffee, same question. I told him to pour his cup and sit down. Because the answer changed overnight.
The Federal Reserve meets today. By 2 PM Eastern, they will almost certainly hold rates at `3.50%` to `3.75%` for the sixth straight time. Markets have priced in a `97%` chance of no move. That part is old news. The part that should stop Dave cold is the dot plot. That is the chart where Fed officials mark where they think rates are headed. Six months ago, those dots showed one more cut in 2026. Today’s updated projections are expected to erase it. The cut Dave has been waiting for just got crossed off the calendar.
In One Sip
► The Fed is expected to hold rates at `3.50%` to `3.75%` at today’s 2 PM ET announcement. That rate sets the floor for what you pay on every loan and credit card you carry.
► The updated dot plot is expected to remove the last projected rate cut for 2026. In March, Fed officials still had one `25`-basis-point cut penciled in. That line is likely gone by this afternoon.
► The average 30-year mortgage rate sits at `6.45%` today. Six months ago, analysts expected rates near `5.5%` by summer. That gap is worth hundreds a month on a typical home loan.
► Credit card APRs averaged `21.5%` on existing accounts in Q1 2026 per Experian. The Fed cut rates `175` basis points since late 2024. Card rates barely moved. The prime rate sits at `6.75%`.
► The buried story: high-yield savings accounts still pay `4.10%` to `4.20%` APY. May CPI hit `4.2%`. Your cash is earning just enough to tread water. Not growing. Standing still.
Why It Matters for Your Money
Dave carries `$8,200` on a credit card at `21.5%` APR. In January, he figured rates would come down and he would consolidate. Six months of waiting has cost him roughly `$880` in interest alone. The rate relief he expected? Not coming this year.
Now look at his mortgage. Dave locked in at `7.1%` back in 2023 on a `$340,000` balance. A refi at `5.5%` would have saved him `$370` a month. That is `$4,440` a year. At today’s `6.45%`, the savings shrink to roughly `$155` a month. Still worth doing. But half the prize he counted on.
Think about that for a second. Dave’s inaction cost him `$880` in card interest and roughly `$2,580` in missed mortgage savings over six months. That is `$3,460` gone while waiting for better numbers that never arrived. The Fed did not raise the cost. They just confirmed it is not coming down.
The Wealth Angle
I think the market has misread this Fed for months. Everyone focused on the holds. The real signal was the dot plot.
In March, the median projection showed one `25`-basis-point cut by December, putting the target at `3.4%`. Today’s update is expected to erase that cut entirely. Some officials may project a hike. And here is where it gets interesting: Kevin Warsh, the new Fed Chair, has called forward guidance counterproductive. The tool the market uses to predict the Fed’s next move may be fading.
Sound familiar? It should. Warsh wants to make the Fed less predictable. For traders, that means more volatility. For households, it means planning around a number that no longer comes with a map.
I would not build a household budget around rates coming down in 2026. The best high-yield savings accounts pay `4.10%` APY. Inflation is running at `4.2%`. Your real return on cash is roughly negative `0.1%`. Your credit card charges you a real rate above `17%`. That spread between what your savings earn and what your debt costs has not been this wide in twenty years.
☕ Key Insight:
The Fed did not raise rates. But by erasing the last projected cut from the dot plot, they raised the floor. Every household budget built around “rates will come down soon” just lost its foundation.
Coffee Break Move
If you carry credit card debt above `$3,000`: Call your issuer today and ask for a rate reduction. A Fed survey found `76%` of people who asked got one. Your card rate does not follow the Fed down. It only follows the Fed up. You have to ask.
If your savings sit in a big-bank account: Move them this week. A high-yield account at `4.10%` APY on `$15,000` earns about `$615` a year. The big-bank average of `0.38%` earns `$57`. That is a `$558` raise for twenty minutes of work.
Dave called his lender on Monday. Not because rates dropped. Because he stopped waiting for them to. Sometimes the smartest money move is the one you make while everyone else is still holding their breath.

Keep Reading