Recent reports indicate that Federal Reserve policies implemented during the pandemic may have exacerbated the wealth gap in the United States. Low interest rates allowed 20% of homeowners to secure mortgage rates below 3%, significantly increasing home values. Additionally, stock market gains, particularly from AI investments, have predominantly benefited Wall Street over the past three years. Data from the Atlanta Fed reveals that lower-income households experienced a wage growth of 3.7%, while top earners saw a 4.4% increase. Federal officials acknowledge the challenge of addressing this widening economic divide, noting that there is no easy solution to rectify the disparities.