Fake Medicare Ads, Down Payment Gift Letters, and the Fed’s Next Move

In today’s episode, Ralph Estep Jr. and Juliet talk through whether Social Security will be there for millennials and how an engaged couple should handle $42,500 in debt before the wedding. In This Episode ✓ All 100 economists polled expect a Fed rate hike in December ✓ 40% of homeowners got family help with a down payment, and why lenders want a gift letter ✓ Fake Medicare ads can show up above the real site ✓ One Good Question: engaged with $42,500 in debt, where do you start? ✓ Side Hustle Corner: why a $50 yard job can pay about $11 an hour ✓ Social Security in 2032: what 78% of scheduled benefits means for your check ✓ Money Move: save $7 a day in a separate emergency account If you’ve ever wondered what Social Security will really pay you, this episode gives you the numbers to plan around. Resources Watch live: https://www.becomingfinanciallyconfident.com/live Giveaway: https://www.becomingfinanciallyconfident.com/giveaway Book a call: https://www.ralphestepjr.com/schedule Year-End Personal Tax Review: https://www.becomingfinanciallyconfident.com/yearend Be on the show: https://www.becomingfinanciallyconfident.com/stuck Medicare: https://www.medicare.gov Social Security Trustees Report: https://www.ssa.gov/oact/tr/2026/II_A_highlights.html Follow Becoming Financially Confident LinkedIn: https://www.linkedin.com/company/becomingfinanciallyconfident Facebook Group: https://www.facebook.com/share/g/1HpWqv8jp9/ Instagram: https://www.instagram.com/becomingfinanciallyconfident Skool Community: https://www.skool.com/becoming-financially-confident-7556 TikTok: https://www.tiktok.com/@becoming.financial Have a money question? Send it here: https://www.becomingfinanciallyconfident.com/voicemail Companies Mentioned Congaplex Instagram Kalshi Reuters LendingTree Netflix Google Apple Safari Opera Funko Pop Toyota McDonald’s