Moonshot Financial Group

10/09/2026

🛠️ The richest person in your town probably isn't a tech founder or someone in finance. It's more likely the dentist running four offices, or the owner of the HVAC company whose trucks are everywhere.

New research from economists Owen Zidar and Eric Zwick, based on IRS and Treasury data, found nearly 5 million U.S. households worth at least $5 million, holding combined wealth more than 13 times that of the Forbes 400.

A few patterns stood out:
➡️Most started their business themselves rather than inheriting it
➡️Most run ordinary, brick-and-mortar businesses rather than tech or finance
➡️Independence mattered more to them early on than getting rich ever did

🌭 Case in point: Dick Portillo started a hot dog stand in 1963 with just $1,100. Decades later, he sold the business he'd built for $1 billion.

Building wealth often looks much more ordinary and attainable than the headlines suggest. If growing or eventually stepping back from a business is part of your picture, that's worth talking through together.


Source: https://www.cbsnews.com/news/everywhere-millionaires-business-ownership-wealth/

10/07/2026

Markets shift. Life changes. Cynthia Luna shares an October market update and her Women in Power episode, “The Wrong Room,” connecting financial planning with family, trust, and preparation for what comes next.

Explore October market insights and Cynthia Luna’s Women in Power feature, “The Wrong Room,” on planning for changing markets, family, and your next chapter.

10/07/2026

🏦 Bond yields may sound like something only investors need to watch, but they can also show up in everyday financial decisions.

The 10-year Treasury yield recently climbed to 4.78%, its highest level since January 2025. That matters because movements in Treasury yields can influence borrowing costs across the economy.

🏠 Higher yields may contribute to higher rates on mortgages, auto loans, credit cards, and personal loans. They can also have an upside for savers, since rates on high-yield savings accounts and CDs may rise as well.

So when Treasury yields move, the effects can reach well beyond the bond market.

If you’re borrowing or keeping money in interest-bearing accounts, it may be worth paying attention to where rates are heading and how they’re affecting the options available to you.


Source:

The U.S. bond market influences how much American consumers pay for loans and the interest they can earn on their savings accounts.

10/05/2026

🏠 Homebuyers are stepping back as mortgage rates climb higher, fast.

Total mortgage application volume fell 4.1% last week, according to the Mortgage Bankers Association. Applications for a home purchase were down 1% for the week and 19% lower than the same week a year ago.

Refinance applications felt it even more, dropping 9% for the week and sitting 65% below year-ago levels.

The average rate on a 30-year fixed mortgage climbed to 6.97% last week, and by Tuesday it had moved even higher, to 7.22%, according to Mortgage News Daily. That's nearly a full percentage point above where rates sat a year ago.

🔑 Rates aren't the only pressure buyers are weighing. Home prices remain elevated in many areas, and while more homes have come on the market, much of that added supply sits at the higher end.

For many households, higher borrowing costs paired with higher prices are making the buy-or-wait decision a harder one to call.

This is exactly the kind of shift worth walking through together, especially if a purchase or refinance has been somewhere on your radar.


Source:

Mortgage rates have surged to the highest level since the start of 2025, causing a major pullback in mortgage demand.

10/01/2026

October is Financial Planning Month—a reminder to connect your money to your life. Explore how thoughtful advice, retirement income strategies, and long-term care planning help families prepare amid changing markets.

Explore how financial planning connects investments, retirement income, taxes, and long-term care to your family’s goals amid changing markets.

10/01/2026

🎂 Japan just crossed a milestone: for the first time, more than 100,000 people there are age 100 or older.

According to the country's Health and Welfare Ministry, Japan now counts 107,677 centenarians, up nearly 8,000 from the year before. Almost 88 percent are women. The country's oldest resident, Kyoto's Fuyo Kishimoto, recently turned 114.

🎌 Officials point to progress in medical care, along with healthier lifestyles and diet, as part of what's driving the trend. And Japan isn't alone; life expectancies have been rising in many countries over the past several decades.

It's a good reminder of how many more years many of us may be around for, and why that's worth factoring into conversations about the road ahead, from healthcare to how a longer stretch of years gets supported financially.

That's exactly the kind of long-term thinking we like to talk through together.


Source: https://apnews.com/article/japan-aging-centenarians-population-decline-health-34e0fecbf9b31946d986abba42e3f427

09/30/2026

I’m proud to share that my latest press release is now live. ✨

“Cynthia Luna’s ‘The Wrong Room’ Debuts on Inside Success TV as Women Reshape the Future of Wealth.”

My Women in Power feature tells a personal story of resilience, reinvention, and the experiences that ultimately shaped the way I built Moonshot Financial Group.

But the timing of that story also coincides with something much larger happening in our industry.

📈 Trillions of dollars in wealth are moving into the hands of women.

And as the people controlling that wealth change, I believe the financial relationships surrounding it have to evolve as well.

For families, that means building relationships before they’re needed most.

For advisors, it means knowing both people sitting at the table—and understanding not only what they’ve built, but who they’ve built it for.

🤝 This isn’t simply a wealth transfer. It is a relationship transfer.

I’m proud to see this conversation—and my story—receiving a larger platform.

🔗 Read the full press release:

Cynthia Luna’s “The Wrong Room” Debuts on Inside Success TV as Women Reshape the Future of Wealth

09/28/2026

Dolly Parton’s legacy reaches far beyond music.

Over the years, she gave millions to causes ranging from disaster relief and medical research to education and children’s literacy. Her Imagination Library alone has distributed more than 330 million books to children across five countries.

After devastating Tennessee wildfires in 2016, her My People Fund provided displaced families with $1,000 a month for six months, no strings attached. She also donated $1 million toward COVID-19 vaccine research and supported schools, scholarships, pediatric care, and communities close to home.

What tied so much of that work together was remarkably simple: trust people, see a need, and respond.

Her example is a meaningful reminder that generosity doesn’t have to follow one formula. It starts with deciding what matters to you and finding a way to make an impact.


Source:

Dolly Parton's death is shining a new light on the country music icon's philanthropy. The Library of Congress has called Parton a “titan of children’s literacy” for the millions of free books provided monthly through her Imagination Library.

09/22/2026

The Treasury Department is increasing the size of its government debt buybacks amid ongoing pressures in the longer-term bond market.

The department said it will at least double the maximum size of certain buyback operations, from $2 billion to at least $4 billion, targeting the 10- to 20-year and 20- to 30-year portions of the Treasury market.

Following the announcement, the 10-year Treasury yield fell 6 basis points to 4.647%, while the 30-year bond yield fell 9 basis points to 5.196%. Bond prices and yields move in opposite directions.

The move is designed to support liquidity in longer-dated Treasury securities, though economists noted that it does not change the broader fiscal backdrop or the government’s ongoing financing needs.


Source:

The announcement targets the sensitive longer-duration part of the Treasury market.

09/20/2026

A record number of U.S. adults under 35 are living with their parents, according to a recent Realtor.com study.

In 2025, 25.2 million adults under 35 lived at home, a higher share than during the COVID-19 pandemic.

Many are working, but wages are not always keeping up with the cost of living. Among adults ages 25 to 34 who live at home, roughly 7 in 10 have jobs.

Housing affordability is a major factor. Higher home prices, elevated mortgage rates, rent, student loan payments, car payments, and everyday expenses can make living independently harder to sustain.

For some families, moving back home may be a way to reduce expenses, rebuild savings, or create more breathing room before taking the next step.

The broader takeaway is that financial independence does not always follow a straight timeline. Cost-of-living pressures are reshaping what adulthood, housing, and household decisions look like for many families.


Source:

One woman in her mid-30s said her $60,000 annual income wasn't enough to cover all her bills after a breakup, leading her to move back home.