New research from the University of Washington found businesses owned by women and people of color are charged higher rates for loans, costing about $8 billion a year more in interest payments than their white counterparts. Also in this episode, some energy sector updates: Growing global coal demand is powered by data centers and industrialization, and a new Gulf Coast hydrogen hub aims to reduce the carbon footprint of the region’s oil refineries.

Amazon is reportedly postponing a return to in-person work for a portion of its staff due to insufficient office space. It’s not alone. For the first time since the pandemic began, office real estate may be heating up. Also in this episode: Exports, particularly in the electronics sector, drive GDP growth, Chinese importers of U.S. goods prep for retaliatory tariffs and insurers push back against “nuclear” verdicts in personal injury cases.

Nurses, software developers and restaurant cooks are among the jobs predicted to grow the most in the next decade, according the Bureau of Labor Statistics. But some experts warn that predictions can be “spectacularly wrong.” Plus, homeowners cling to low mortgage rates, “exurbs” dominate this year’s most popular housing markets, and we hear from business owners who may struggle if President-elect Donald Trump’s policies push inflation back up.

The Coalition for Green Capital, funded by private investors and President Joe Biden’s Greenhouse Gas Reduction Fund, began doling out cash this fall. It’s an experiment in using federal dollars to spur investment in mitigating climate change. Will it survive under the incoming Trump administration? Also in this episode: How high can bond yields climb? Will 2025 be a big year for mergers and acquisitions? And, are tuition-free medical schools curing the industry’s ills?

Government bond yields are typically lower than corporate ones, since corporations can’t print their own money. The difference between the two is called a spread, and that spread has narrowed in recent months. In this episode, why that shrinking spread is a sign that investors feel optimistic. Plus: Retailers struggle with excess brick-and-mortar space, nationwide household net worth hits a record high and Vermont ski areas battle climate change.

The coming year will be a good one for housing — at least, the National Association of Realtors says so. It’s forecasting lower mortgage rates and more stable prices for homes in 2025. But not all housing experts agree. Later in the episode: an unexpected way to tap into geothermal energy, new approaches to corporate diversity as a court blocks Nasdaq’s DEI initiative, and a federal health care referral program leaves many Native Americans in debt, apparently in violation of the rules.

Older Americans will pass on more than $120 trillion to heirs and charities over the next 25 years, according to a wealth management company’s study. But financial advisers caution against assuming you’ll get lucky — half of the “great wealth transfer” will come from just the top 2% of households. Also in this episode: Insurance grows pricier, the Consumer Financial Protection Bureau limits bank overdraft fees and less than 10% of Americans moved last year — the lowest proportion since the Census Bureau began keeping track in 1948.

Food prices aren’t going down. The good news is, they aren’t rising rapidly anymore, either. But we get it, grocery shopping still hurts. In this episode, why food isn’t likely to ever cost what it did five or 10 years ago, and how our habits are changing in response. Plus: The fight against inflation isn’t over, rising child care costs take women out of the workforce and the supply chain preps for an import wave.

Remember those Christmastime Coca-Cola ads from the ’90s and early aughts? A caravan of red trucks snakes through picturesque towns, delivering holiday cheer in the form of good old-fashioned Coke. The company just released a new version, meant to invoke nostalgia for the Yule of yesteryear. And in the true spirit of 2024, it’s AI-generated. Will all our ads be AI-made soon? Or is human creativity still key? Also in this episode: A dogecoin influencer weighs his options, a startup wants to put EV chargers in lampposts and unit labor costs may tell us where inflation is headed.

Over the next five years, electric power demand in the U.S. will increase five times faster than we thought it would in 2022, a new report says. Can the grid take it? Probably — it won’t be the first time demand for electricity has made a major leap. Also in this episode: An influencer sues a “copycat,” consumers overestimate inflation but think it will fall eventually and ad industry evolution triggers a merger of rivals.

It’s been a wonky year for the labor market. Unemployment is down and inflation has eased. But ask an average American, and they might not feel like everything is peachy keen. In this episode, we asked economists to sum up the complicated year … in a song. Plus, homebuilders worry incoming President Donald Trump’s immigration policy will leave them short-handed, and retail hiring plateaued in November — unusual for the holiday shopping season.