When To Refinance and Why the 10-Year Sets Your Mortgage - Jessica Inskip and Sam Vadas

According to the National Association of Realtors, the median age of a first-time homebuyer in America is now 40 years old, up from 28 in 1992. Jessica Inskip is not buying either, and she is waiting on one number before she does. What is she watching, and why does it matter more than anything the Fed announces?In this episode of The Money Signal: From Main Street to Wall Street, two women who cover the markets for a living answer that from opposite ends of the business. Jessica Inskip, the former Fidelity active trader desk broker who now hosts the Market MakeHer podcast, explains which part of the yield curve sets your mortgage rate, why the two-year Treasury front runs the Fed, what makes a high yield savings account pay 5 percent, and how to decide when to refinance. She also explains why she compares the business cycle to a menstrual cycle to teach it, and why she thinks the first wave of financial influencers left people with dangerous advice.Sam Vadas, who spent five years in Singapore covering China for CNBC before landing on the New York Stock Exchange floor as a Schwab Network anchor, describes what she learned from a co-founder of Hint, the AI home management app Martha Stewart launched this summer, and why Zillow cannot build the same thing. Sam also explains why she had to build a credit score, a 401k and a college fund from zero after moving to the United States, and what the tariff story did to financial media ratings.We also discuss:The 30 million conversations Americans had about tariffs on social media in 2025Why the low income consumer feels a rate change firstWhat Peter Tuchman did to go from 250,000 followers to nearly a millionWhy people are now buying homes with friends instead of spousesThe job Martha Stewart had on Wall Street long before the catering businessIf you're interested in when to refinance, mortgage rates, the bond market, the 10-year Treasury, financial literacy, teaching kids about money, or women in finance, this episode is for you.#financialliteracy #financialfreedom #mortgage #stockmarket  #refinance #highyieldsavings 🎙 Hosts:Peter Tuchman - NYSE Floor Trader, Einstein of Wall StreetTsvetta Kaleynska — Consumer Data & Social Listening Expert📡 About The Money Signal: From Main Street to Wall Street — founders, CEOs, investors, and Wall Street veterans on money, business, and what success actually costs.Produced by GLORION MEDIA🔗 Follow & Listen:🌐 Website: moneysignalpodcast.com📸 Instagram: @moneysignal.podcast🎧 Spotify: The Money Signal: From Main Street to Wall Street  DisclaimerThe content presented on The Money Signal: From Main Street to Wall Street is for informational and entertainment purposes only and does not constitute financial, investment, legal, tax, or other professional advice.The views expressed by hosts and guests are their own and do not necessarily reflect the views of GLORION Media or its affiliates. Any discussion of companies, securities, markets, or investment strategies is intended solely as commentary and should not be interpreted as a recommendation to buy, sell, or hold any financial instrument. Listeners and viewers should conduct their own research and consult with qualified financial or professional advisers before making any investment or business decisions.Past performance is not indicative of future results.GLORION Media, its hosts, producers, and affiliates may have business relationships with companies discussed o...