The article “Here’s what to do before the Fed cuts rates—’you want to jump on that now'” from Fortune discusses the implications of potential Federal Reserve rate cuts on personal finance. The author advises individuals to take advantage of these rate cuts by refinancing their mortgages, auto loans, and credit card debt.

The article highlights several key points:

1. **Mortgage Refinancing**: With lower interest rates, homeowners can refinance their mortgages to reduce their monthly payments and save money in the long term.

2. **Auto Loans**: Borrowers can refinance their auto loans at lower interest rates, potentially saving hundreds of dollars per year.

3. **Credit Card Debt**: Credit card debt can be consolidated at lower interest rates, making it easier to manage and pay off debt.

4. **Certificates of Deposit (CDs)**: Investors can take advantage of higher interest rates on CDs, which can provide a safer and more stable investment option.

The article emphasizes that these rate cuts are a temporary opportunity and should be seized quickly to maximize savings and financial benefits.