This video is about how interest rates are used to inflate and deflate the economy depending on what the government wants to happen. The Federal Reserve sets the base rate for the country. Banks and other lending institutions then raise their interest rates depending on a person's credit and pockets the difference. Interest Rates are lowered to inflate (stimulate) the economy and raised to (deflate) remove money out of the economy.

*Disclaimer* This is just an explanation and should not be considered the same way as advice from a licensed financial planner. I am no longer a licensed financial planner and no longer an insurance agent.