J.Brady Grygrowski

09/29/2026

FEDERAL STUDENT DEFAULT RATES ARE RISING, WITH 9.5 MILLION BORROWERS NOW IN DEFAULT, BUT WHAT HAPPENS TO THE BORROWER FOR NON REPAYMENT

SOURCE: https://www.pbs.org/newshour/education/a-wave-of-student-loan-borrowers-have-entered-default-since-pandemic-era-protections-lapsed

Credit Damage: Destroys credit scores and credit history for years.

Involuntary Collections: Risks future wage garnishment (up to 15% of paychecks) and Treasury offsets (seizing tax refunds or federal benefits)

Loss of Aid: Blocks eligibility for future federal student aid, deferment, or forbearance

SOURCE: https://studentaid.gov/articles/default/

WIN THE DAY!

09/29/2026

Check out LPL Financial Research's Weekly Commentary on the market: "Stock Market’s Wall of Worry Gets Taller?" https://static.fmgsuite.com/media/documents/85bcbd1c-c839-4e91-a380-2fb602af3e60.pdf

09/29/2026

🌴 More Americans are deciding that enjoying life now matters just as much as making financial progress for later.

A recent SoFi survey found that 72% of Americans would be willing to make slower progress toward their financial goals so they can spend more time with family, travel more, and prioritize meaningful experiences.

That doesn’t necessarily mean abandoning long-term goals. In fact, 59% of respondents said enjoying life is how they define financial progress, compared with 27% who pointed to owning a home.

The challenge is finding a balance between what matters now and what matters later. ✈️ That can mean making room for a vacation, concert, or family event while still keeping an eye on retirement savings and debt.

But charge that trip to a credit card and carry a balance, and interest can turn a two-week memory into a much longer bill.

What does financial progress look like to you: reaching the next milestone, enjoying more of life now, or some mix of both?


Source:

SoFi found 72% of Americans are willing to make slower progress on financial goals to prioritize family, travel and meaningful experiences.

09/29/2026

Inflation is still running above the Federal Reserve’s 2% target.

The Fed’s preferred inflation gauge, the personal consumption expenditures price index, rose 0.2% in July and 3.7% from a year earlier. Core PCE, which strips out food and energy prices, increased 3.3% annually.

The report also showed personal income rose 0.4% while spending increased 0.2%.

For consumers, that means price pressures haven’t disappeared, even as some categories, including gasoline and other energy-related goods, moved lower during the month.

With inflation still elevated, the latest numbers may remain an important part of the Fed’s upcoming interest-rate discussions.


Source:

The personal consumption expenditures price index was expected to rise 0.1% monthly and 3.6% on a 12-month basis, according to economists surveyed by Dow Jones.

09/28/2026

Not all inflation numbers measure the same thing. From CPI to PCE, each index tracks different spending patterns—and none of them may reflect yours.

Different inflation indexes may tell different stories. Here's what that could mean for you.

09/28/2026

KEEP EVERY STONE THEY THROW AT YOU.

YOU HAVE CASTLES TO BUILD!

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09/27/2026

Is there a role for both active and passive investments in your portfolio?

In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”

09/26/2026

HOCKEY SEASON HAS STARTED!!

LETS GO CAPS!!

WIN THE DAY!

09/26/2026

Check out the LPL's Market Signals Podcast "Why AI Needs Humans".

Discover why AI needs humans. Chief Economist Dr. Jeffrey Roach and Apollo's Dr. Torsten Slok unpack the job market, productivity, & the higher-rate outlook.