Ted Rossman, senior industry analyst at Bankrate.com, digs into the site's latest credit-card debt survey, which says that half of American credit cardholders are now carrying debt month-to-month, up six percentage points from the start of the year and the higher level since the beginning of the pandemic in 2020. 50% carry debt month to month. This figure is up 6 percentage points from January and is the highest figure seen since March 2020. Rossman discusses the current numbers for credit-card debt nationally, noting that while candidates have focused on the total of more than $1.4 trillion, the way the Federal Reserve calculates credit-card debt clearly includes a lot of consumers who are not financially challenged. With the likelihood of interest rate cuts coming as soon as next month, Todd Rosenbluth, the head of research at VettaFi, turns to the municipal bond space to pick his ETF of the Week; Burns McKinney, senior portfolio manager at NFJ Investment Group, brings his style of "modern value investing" to the Market Call, and Chuck answers two questions from a listener who is primarily interested in how to take advantage of the start of the rate-cut cycle and recent declines in the price of most Magnificent Seven stocks.