A useful way to think about this: fiscal policy changes who receives income; monetary policy changes the price of time and leverage. Both influence demand, but they work through different channels and at different speeds. That distinction matters when investors try to guess which policy tool can actually stabilize the next problem. Example: Rate cuts can ease financing stress without directly repairing the spending profile of households that never had balance-sheet capacity to begin with. The mistake is talking about "stimulus" as though every policy lever works the same way. That is the kind of small conceptual habit that compounds into better decisions over time.