Happy 15 years to Pensford! On this episode of The Rate Guy we take a walk down memory lane with JP. Hearing about the times he thought Pensford was going under, where the name comes from, our competitors and most importantly our team.

If you want to skip the story and get straight to the FOMC meeting, inflation and jobs talk, fast forward to the 32 minute mark.

Thanks to everyone for your support. Here's to the next 15!