Boyer Wealth Management

10/23/2026

Why So Bearish?

10/21/2026

🏠 Higher mortgage rates are pushing some homebuyers to look for lower-cost alternatives.

The average rate for a 30-year fixed mortgage rose to 6.79%, while the average rate for a 5/1 adjustable-rate mortgage fell to 5.94%.

That gap is drawing more attention to ARMs, which made up 8% of mortgage applications last week, their highest share in five weeks.

🔑 The tradeoff is that an ARM’s rate can change later, which means the lower initial rate may come with more uncertainty down the road.

For buyers comparing mortgage options, it’s worth looking beyond the starting rate and understanding how the loan could change over time.


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Mortgage rates continue to rise, pushing some buyers to riskier, adjustable-rate loans in order to find savings. Rates are at the highest level since June 2025.

10/19/2026

August's inflation numbers came in below expectations, but prices are still rising faster than the Federal Reserve would like.

The Fed's preferred inflation gauge, the Personal Consumption Expenditures (PCE) price index, showed:

▪️Headline inflation: 3.4% annually, below the 3.7% forecast.
▪️Core inflation: 3.0% annually, excluding food and energy, compared with the 3.3% forecast.
▪️Monthly inflation: Headline prices rose 0.3%, while core prices increased 0.2%.

Meanwhile, consumer spending rose a stronger-than-expected 0.9% in August, despite personal income increasing by just 0.2%.

Both inflation measures remain above the Fed's 2% target, leaving policymakers to weigh persistent price pressures against continued consumer spending as they consider their next interest-rate decision.



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The personal consumption expenditures price index was projected to show an annual gain of 3.7% on headline and 3.3% for core, according to the Dow Jones consensus.

10/16/2026

The Big Mac Index turns forty this year. Forty years old and still fun to explain at parties. Check out what this classic burger can tell us about the purchasing power of our dollar.

10/14/2026

A carton of milk 🥛. A set of golf clubs ⛳. A bottle of perfume 🌸. All three just got pricier to send north into Canada. 🍁

Canada's new tariffs on $20 billion in American goods took effect this week, ranging from 15 to 50 percent depending on the product.

It's the latest move in a trade dispute that's dragged on for more than a year between two of the world's largest trading partners.

The ripple effects won't directly affect most household budgets. But they're a reminder that global headlines and everyday costs are more connected than they seem.

That connection, and what it might mean for your own situation, is exactly the kind of thing we're keeping an eye on for you.


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Canada's steep retaliatory tariffs on $20 billion in U.S. goods took effect just after midnight ET on Tuesday, deepening the trade war between the two countries.

10/12/2026

🌴 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?


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

10/09/2026

10/07/2026

🌠 October is bringing a little celestial entertainment! The annual Draconid meteor shower is expected to peak on the night of October 8–9, with excellent viewing conditions thanks to an almost moonless sky.

Unlike many meteor showers that are best viewed in the early morning hours, the Draconids are an evening event. This year's peak is expected around 9 PM EDT on October 8, so there's no need to stay up until dawn. 🌌

Here's how to make the most of it:
🔭 Find a dark spot. Head somewhere away from city lights with a clear view of the sky.
✨ Give your eyes time to adjust. Allow about 30 minutes to get used to the darkness.
🌙 Leave the equipment at home. You won't need a telescope or binoculars. Just look up and take in as much of the sky as possible.

The Draconids typically produce around five meteors per hour under ideal conditions, although they've surprised skywatchers with spectacular displays in the past.

The shower runs from October 6–10, so you may have several opportunities to catch a shooting star, weather permitting.

Will you be watching? 🌠



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Good news! The Draconid meteor shower peaks under almost moonless skies on Oct. 8-9.