Phoebe is built around a single thesis: the gap isn't data — it's understanding. Every month the government releases the numbers that shape your financial life — jobs, inflation, growth, spending, interest rates. The data is free and everywhere. What's missing is the plain-English framework to read it: what the number actually says, what it doesn't, and how it connects to the decisions you make. Professional research assumes you already have that framework and prices accordingly; cable news compresses it into entertainment. The middle — teaching readers to read the data themselves, plainly and without commentary or politics — is thin.
That's the gap Phoebe fills. Most coverage tells you what happened. Phoebe shows you how to read what happened — the trend beneath the headline, traced to what it means for you, so next time you can read it yourself. No jargon, no predictions, no market calls.
What Phoebe publishes:
Report Breakdowns — a short, plain-English video read on each major economic release (jobs, inflation, growth, spending, and more): the trend beneath the headline number, and why it matters. Built to teach which number actually matters. No directional calls, no opinion markers — just what the data says.
Weekly Read — a weekly synthesis of how the week's economic data and interest rates fit together, with an objective look at the week ahead and its data calendar.
Two reference tools — where to go deeper when a read references something you want to understand from the ground up:
Yields — today's full Treasury par yield curve, the 90-day path of the 2-Year and 10-Year against the Fed Funds Rate, a 50-year chart of the 2-10 spread with NBER recession bands shaded behind it, the breakeven inflation rates, and SOFR against the current Fed funds target range. A visual anchor for where the bond market prices growth, inflation, and Fed policy.
The Cost of Borrowing — what it costs to borrow today (mortgage, auto, prime, credit card), each rate set against its own history, and the lesson underneath: why a Fed cut doesn't always reach your mortgage. A reference for anyone weighing a home, a car, or a business loan.
Sources: every figure comes from primary public data — the U.S. Treasury, the Federal Reserve, Freddie Mac, and the federal agencies that publish the releases (the Bureau of Labor Statistics, Bureau of Economic Analysis, and Census Bureau), by way of FRED. The framework that turns those numbers into a read is proprietary; details available on request.