富人狂消费、穷人缩开支！美联储降息救市，却救不了贫富分化

Group 1 - The Federal Reserve has lowered the federal funds rate by 25 basis points for the second consecutive month, bringing the target range to 3.75% to 4% [1] - The Fed announced the end of its quantitative tightening cycle, effective December 1, halting the balance sheet reduction that began in 2022 [2] - There is significant internal disagreement within the Fed regarding the appropriateness of the rate cuts, with some members advocating for more aggressive actions [4][6] Group 2 - The current economic situation in the U.S. is complex, with rising unemployment at 4.3% and inflation still above the Fed's target at 3% [6][20] - The lack of key economic data due to the government shutdown complicates decision-making for policymakers, who must rely on private sector data [8] - Market expectations for further rate cuts in December are not aligned with the Fed's cautious stance, as indicated by Chairman Powell's comments [9][11] Group 3 - The economic landscape shows a bifurcation, where high-income individuals are benefiting from stock market gains while middle and low-income groups face employment anxieties [18][20] - The S&P Case-Shiller home price index showed only a 1.5% year-over-year increase, the lowest since July 2023, indicating a cooling in the housing market [13] - The Fed's policy adjustments aim to alleviate financing costs and enhance liquidity, but the underlying issues of income disparity complicate the effectiveness of these measures [20][23]