Oct 6, 2026 · 29 min · 16 segments
**Interest Rate Spike: Panic or Opportunity? & 7 Most Important Ages In Retirement Planning** Why are bond yields climbing so rapidly, and what does it mean for your money? Wes Moss breaks down the…
Wes MossGuestKrista DiBiaseHost
So why don't we start with what has happened in the bond market, and when I say the bond market, I'm- I'm really talking about yields.
And when you start thinking about how massive the bond market is, a- and we, we think of this two ways.
One, what does it do to the economy, and what does it mean for you as an investor in your 401[k]? Because if we talk about dry powder and safety assets, what are we talking about? We're talking typically about bonds and cash, and cash is made up, by the way, of short-term bonds for the most part.
So this really matters, and as rates have gone up, I started thinking, "This market is so big.
How can rates move this dramatically so quickly?" And I think that's the first thing to examine.
Now, those numbers kind of make sense when you think about, well, just our government debt alone-
... is 40 trillion, and a lot of that obv- obviously is funded, that is funded primarily through government bonds.
So those numbers, even though they're wow statistics, they start to make some sense.
And I'm thinking, "Okay, you've got this, the, the largest tanker ship you've ever seen in the history of the world out there in the middle of the ocean, and that's the bond market, and how does that move on, almost on a dime?" Well, here are the mechanics.
If you think about the government bond market, only about 1 trillion, 1.2, trades in any given day.
So why don't we start with what has happened in the bond market, and when I say the bond market, I'm- I'm really talking about yields.
And when you start thinking about how massive the bond market is, a- and we, we think of this two ways.
One, what does it do to the economy, and what does it mean for you as an investor in your 401[k]? Because if we talk about dry powder and safety assets, what are we talking about? We're talking typically about bonds and cash, and cash is made up, by the way, of short-term bonds for the most part.
So this really matters, and as rates have gone up, I started thinking, "This market is so big.
How can rates move this dramatically so quickly?" And I think that's the first thing to examine.
Now, those numbers kind of make sense when you think about, well, just our government debt alone-
... is 40 trillion, and a lot of that obv- obviously is funded, that is funded primarily through government bonds.
So those numbers, even though they're wow statistics, they start to make some sense.
And I'm thinking, "Okay, you've got this, the, the largest tanker ship you've ever seen in the history of the world out there in the middle of the ocean, and that's the bond market, and how does that move on, almost on a dime?" Well, here are the mechanics.
If you think about the government bond market, only about 1 trillion, 1.2, trades in any given day.
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