Welcome to Our 2 Cents in 2024! We are ushering the new year with a great new episode. Today, Gabriel and Steve discuss interest rate predictions from some of the major banks on Wall Street. Then they share a couple big changes for retirement coming in 2024. Don't miss Gabriel's quote of the month to wrap up the show!

1. 2024 Interest Rate Predictions:
   • The Fed's expected end-of-2024 interest rates.
   • Bank of America's prediction on the likelihood of a Fed rate cut by March.
   • Goldman Sachs' forecast on rate cuts.
   • JPMorgan's revised interest rate outlook.
   • UBS' expectation on a recession in 2024 and massive rate cuts.
2. Big Retirement Changes for the New Year:
   • Social Security's COLA for 2024.
   • Increased Medicare expenses for the new year.
   • New rules for 529 plans that could add an interesting layer to your retirement planning.
3. Gabriel's Quote of the Month:
   • "Don't let money run your life, let money help you run your life better." — John Rampton