Lucas and Luna examine how central banks shape the economy through money supply and interest rates. Each episode dissects a specific policy move — a rate hike by the Federal Reserve, a quantitative easing program by the ECB, or a reserve requirement change by the People's Bank of China — and traces its impact on inflation, employment, and financial markets. Lucas brings the macroeconomic framework, citing exact data points from recent central bank statements and academic research. Luna pushes for the real-world implications: what does a 25-basis-point increase mean for a small business owner in Ohio or a bond trader in London? Together, they strip away jargon to reveal the mechanics of monetary transmission. The show serves investors, economics students, and professionals who need to understand policy signals without the noise. No hot takes, no political spin — just a clear-eyed look at how decisions made in marble halls ripple through the global economy. Can a central bank really stee
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What is Monetary Policy Explained with Fexingo: Central Banks, Money Supply, and Interest Rates?
Monetary Policy Explained with Fexingo: Central Banks, Money Supply, and Interest Rates is a business podcast hosted by Fexingo, with 196 episodes on record and a Required Pod Score of 80.
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Fexingo hosts Monetary Policy Explained with Fexingo: Central Banks, Money Supply, and Interest Rates, a business show with 196 episodes published.
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Episode #201
The Hidden Tax of Central Bank Reserves
Sep 29, 202611 minS5
In this episode, Lucas and Luna dissect the often-overlooked cost of holding excess reserves at the Federal Reserve. With the Fed paying interest on reserves (IOR) that has recently fluctuated around 4.5 percent, commercial banks are earning risk-free returns that distort traditional lending behavior. We explore how this dynamic creates a 'shadow spread' between what banks pay depositors and what they earn on government securities, effectively tightening credit conditions without any official rate hike. Using JPMorgan and Goldman Sachs as case studies for their balance sheet management strategies in Q3 2026, we explain why your local bank’s loan officer might be saying no even when the federal funds rate is stable. This is a deep dive into the mechanics of monetary transmission and the unintended consequences of central bank liquidity provision. #FexingoBusiness #BusinessPodcast #MonetaryPolicy #FederalReserve #InterestOnReserves #BankingSector #LiquidityTrap #CreditCrunch #JPMorganChase #GoldmanSachs #CommercialBanks #DepositRates #RiskFreeRate #FinancialEngineering #EconomicsExplained #BalanceSheetManagement #CreditAvailability #MacroEconomics Keep every episode free: buymeacoffee.com/fexingo
In this episode, we strip away the mystery of modern monetary policy by examining the mechanics of how central banks actually create money. We focus on the Federal Reserve's balance sheet expansion during the pandemic era and contrast it with the traditional view of the money multiplier. Lucas breaks down the specific process of reserve creation through open market operations, while Luna challenges the assumption that more reserves always mean more inflation. We explore why the demand for loans, not just the supply of reserves, now drives the money supply, using concrete examples from recent banking stress events to show how liquidity flows in today's system. #MonetaryPolicy #FederalReserve #MoneySupply #CentralBanks #EconomicsExplained #BankingSystem #Reserves #Liquidity #InflationMechanics #FinancialLiteracy #Macroeconomics #OpenMarketOperations #FexingoBusiness #BusinessPodcast #FinanceEducation #EconomicTheory #ModernMoney #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo
In this episode, Lucas and Luna dismantle the myth that central banks print all money. Using a simple $100 deposit example at JPMorgan Chase, they explain how fractional reserve banking allows commercial banks to create new deposits through lending. The conversation covers the real constraints on money creation—capital requirements, loan demand, and liquidity buffers—and why the money supply isn't just a dial turned by the Federal Reserve. For listeners in September 2026, understanding this mechanism clarifies why inflation can persist even when the Fed holds rates steady. #MoneyCreation #CommercialBanks #FractionalReserve #JPMorganChase #FederalReserve #MonetaryPolicy #BankingSystem #Liquidity #CapitalRequirements #LoanDemand #EconomicsExplained #FexingoBusiness #BusinessPodcast #LucasAndLuna #FinanceEducation #BankReserves #CreditCycle #RealWorldFinance Keep every episode free: buymeacoffee.com/fexingo
In this episode of Monetary Policy Explained with Fexingo, Lucas and Luna tackle a persistent puzzle in modern economics: the liquidity trap. We examine how central banks can expand their balance sheets by trillions without triggering runaway inflation, focusing on the disconnect between monetary base growth and broader money supply metrics like M2. Using historical context from the post-2008 era and current dynamics as of September twenty twenty-six, we explore why traditional velocity models are failing and what this means for interest rate policy. We look at specific data points regarding bank reserves, overnight reverse repurchase agreements, and the behavioral shifts of households and corporations that keep cash parked rather than spent. This is not just theory; it is the structural reality facing policymakers today who must navigate between controlling inflation and preventing deflationary stagnation. #FexingoBusiness #BusinessPodcast #EconomicsPodcast #MonetaryPolicy #LiquidityTrap #CentralBanks #MoneySupply #InterestRates #M2MoneySupply #BankReserves #FinancialMarkets #Macroeconomics #InflationData #FederalReserve #ECB #QuantitativeEasing #MoneyVelocity #EconomicGrowth Keep every episode free: buymeacoffee.com/fexingo
Why Central Banks Can No Longer Control Money Supply
Sep 25, 20267 minS4
In this episode, Lucas and Luna dissect the structural shift in modern monetary policy where central banks have lost direct control over the money supply. Rather than setting rates to manage liquidity, institutions like the Federal Reserve now rely on administered interest on reserves and reverse repos to steer short-term funding costs. We explore why the traditional money multiplier has broken down, how excess reserves became a feature rather than a bug, and what this means for inflation dynamics and economic forecasting in September 2026. #MonetaryPolicy #CentralBanks #MoneySupply #InterestOnReserves #FederalReserve #LiquidityManagement #EconomicsExplained #FinancialMarkets #BankingSystem #FexingoBusiness #BusinessPodcast #LucasAndLuna #MacroEconomics #FinanceNews #InvestmentStrategy #BankReserves #QuantitativeEasing #MonetaryTools Keep every episode free: buymeacoffee.com/fexingo
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