It’s been a big week of Fed speakers dominating headlines, and we’re not done yet. Federal Reserve Governor Christopher Waller is speaking today at the Council of Foreign Relations, and we’ll bring you the key headlines. Plus, Alphabet is joining the list of big tech giants announcing job cuts, set to lay off 12,000 workers. We’ll explore what it all means for the sector after a rough year in 2022. And, the U.S. personal savings rate has plummeted from pandemic-era highs, while household and credit card debt soar to new records. We’ll explain why 2023 could be a rough year for consumers.