There’s a massive shift happening in wealth in America, and most people aren’t talking about it. Over the next couple of decades, women are expected to control more wealth than men — not because of some cultural slogan or empowerment campaign, but because of demographics, longevity, career trends, inheritance patterns, and the way life actually plays out.

Most people think about legacy as something that happens after they’re gone. But in today’s financial-planning environment—where tax rules have shifted, exemptions have been raised and made permanent, and wealth-transfer strategies are evolving—the most powerful legacy you can create is the one you actively shape during your lifetime.

On Friday, soothing words from the Fed’s Williams caused the market to decide a December rate cut was back on the table, moving odds from under a third to 69%. Why should we care so much about one man’s opinion? Historically, Williams and Powell tend to have similar opinions, so this seems like a meaningful shift, meant to be a message to the market.