Reading the regime

Four orthogonal axes — inflation, money, labor, credit — combine into a regime read. Three of four agreeing is a high-confidence read; two is a turning point. The signal you want is which way the wind is blowing before you make a decision, not what someone says about it after.

Every Track H decision — saving, housing, career, debt — is regime-dependent. Reading the regime first means each later question is a smaller question. Skipping it means re-litigating every decision from scratch.

Four FRED indicators are wired — CPI YoY (CPIAUCSL), the effective fed funds rate (FEDFUNDS), U-3 unemployment (UNRATE), and SLOOS net-tightening (DRTSCILM). The dashboard updates each time FRED publishes.