Here is a helpful tool to determine the real mortgage rates https://codepen.io/editor/Uneducated-Economist-/pen/019f326d-db3b-76c3-83da-3b37875e08c8

This is an amazing tool for finding the real rate of interest. Adjustments to the neutral rate, the effective funds, and inflation expectations to determine the real rate , accommodating or restricting. https://codepen.io/Uneducated-Economist-/pen/ogBpjYv

I put these charts together with the assistance of AI. The restrictiveness of the economy is far less than anyone would have considered.

A quick presentation to help conceptualize R-Star, and understand how/why the Fed manipulates the economy.

Attached are a few graphics I put together to help understand a few core concepts Simon talks about regularly. *Note, these are not highly refined or well source cited products. That said, on a conceptual level they may help someone internalize some of what Simon's talking about daily.