Federal Reserve Rates Stay Put, But Women’s Money Stress Keeps Rising

If you’ve been keeping an eye on the economy, you probably heard that the Federal Reserve decided to keep interest rates steady at 4.25% to 4.50%. No big jumps, no cuts—just holding the line. But what does that actually mean for your wallet and the financial stress many are currently feeling?

What Does Flat Interest Rates Mean for Your Buying Power?

Think of the Fed’s interest rate as the temperature reading on the economy’s thermostat. When they raise it, borrowing gets more expensive, cooling down spending. When they lower it, borrowing gets cheaper, heating things up. Check out this video for a little more detail. Right now, they’re leaving it as-is, meaning:

What does flat rates mean for your buying power

So while the Fed’s decision brings a bit of predictability, it doesn’t necessarily relieve the financial pressure that many Americans—especially women—are feeling right now.  Anxiety is trending, and I’m not just referring to the song. Seventy-eight percent of women across generations share concerns about the economy.

78% of women across generations share concerns about the economy

A recent Laurel Road survey uncovered eye-opening stats about women and money stress:

Although 70% report feeling confident about managing their personal finances, 65% of women say personal finances are their biggest source of stress. That’s two-thirds of women constantly worrying about money!

Biggest financial stressors? Not having enough savings, feeling behind on investments, and managing debt (student loans and credit cards!).

While 65% trust financial advisors and experts, less than 1 in 5 seek professional financial consult through an advisor. 44% turn to friends and family for financial advice, with that number climbing to 50% for Gen Z and 47% for Millennials.

With financial confidence shaken, many women feel they’re playing catch-up when it comes to building wealth and securing their future.

But here’s the thing—financial stress doesn’t have to control your life. There are ways to ease the burden and take back control.

5 Ways to Reduce Financial Anxiety

5 Ways to reduce financial stress

Final Thoughts

While the Fed’s rate decision brings stability, it doesn’t necessarily ease the financial anxiety that many women are experiencing. The good news? You don’t have to stay stuck in a cycle of worry. By taking small, intentional steps, you can gain confidence, build financial security, and feel more in control of your future.

What’s your biggest financial stressor right now? Let’s talk about it in the comments.