Kathy Jones, chief fixed income strategist at Charles Schwab, says that the Federal Reserve should be cutting rates now rather than waiting, so the central bank will be deserving of the blame if we get a recession in 2025. Jones worries that central bankers have become "too spooked by inflation," and says they should be less cautious and more forward-looking, and that kind of action could be reflected in one or two rate cuts before the end of the year. Historian William Hogeland discusses his new book, "The Hamilton Scheme: An Epic Tale of Money and Power in the American Founding," and brings modern context to Alexander Hamilton by noting whether either major political party -- as well as the wildly popular Broadway play -- actually reflect the historical measure of the man. Plus, Andrew Guillette, vice president of global insights at Broadridge Financial Solutions, discusses broadridge-study-of-more-than-40-million-us-retail-investors-highlights-the-dramatic-shifts-in-how-americans-invest-302152347.html"> the firm's massive research study into the investing habits of 40 million U.S. retail individual investors, with the trends showing that individual stocks have become increasingly popular while traditional mutual funds have permanently fallen out of favor.