Areduction in the federal funds rate could be caused by:

A increased demand for services needed or a signifigant overspending over a period of time without more revenue being deposited to even the balance

I think that’s it’s important to save money aside for a long periods of time because, you never know what could happen on the future and if u spend right now in the future your going to regret spending money on things you didn’t need, also because in case of an emergency and such. I hope this helps!