Dec Mullarkey, head of investment strategy and asset allocation at SLC Investments, says rate volatility has driven most market activity this year, and now the stock market is pricing in interest rate cuts toward the end of 2024. He thinks that timing is about right, but he notes that the market's fortunes for next year will rest almost entirely on the Federal Reserve, with the market understanding that the central bank has "reserved the right to be tougher here.  Also on the show, Tom Lydon, vice chairman at VettaFi has his ETF of the Week, and the VCR he's discussing is not the one gathering dust in your basement, economist Lawrence Marsh discusses his book "Money Flow in a Dynamic Economy," and how changes in the way money is moving have altered the picture for both the country and the world -- and how further changes could solve many of those problems -- plus Stan Haithcock "Stan the Annuity Man" returns to answer a personal question from Chuck about whether to take a lump-sum buyout offer on an old pension or to stick with the structured payout plan.