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Fed Chair Janet Yellen announced Dec. 16 that the central bank would raise interest rates for the first time in almost a decade. Any further monetary tightening will be gradual and contingent on continued economic health, she explained, projecting that rates would rise 3 percentage points in three years. What should the average consumer make of all this economic commentary? Here’s who wins and loses.

What is the natural rate of unemployment? Some economists think that the natural rate of unemployment is about 5 percent in the U. S. economy, but that it changes over time. One thing that can make it change is demographics. For example, younger workers change jobs more frequently than older workers and are obviously unemployed while in between jobs.