Yep, there are bonds backed by the government guaranteeing 9.62% interest right now. It’s almost free. This is not financial advice but meant to be a look into why iBonds might be a super attractive alternative to traditional assets right now. Free is great, but “free” usually is an elaborate…

The Chase Freedom Flex is a great card with a $200 signup bonus for those willing to keep track of its rotating rewards categories. Highlights: $200 bonus on $500 of spending in the first 3 months (40% back) +5% gas station cash back on up to $6,000 spent in the 1st…

I recently wrote about a simple framework for evaluating investments that considers pricing, cash flow, and financing. In addition, due to the current volatility of the stock market and elevated inflation, I’ve been a big proponent of iBonds. Let’s take another look at iBonds through the context of this framework. Pricing …

When evaluating any sort of cash flow-generating asset or venture, we can use a simple framework to quickly determine its value and if it financially makes sense to invest. Or at the very least, model out more thoroughly. A confluence of three components needs to align for these investments to…

I recently wrote about how valuable Instacart could be when factoring in time, money, and effort. The standard tradeoff when getting goods delivered is convenience in exchange for a higher cost. However, when strategically combining promos, it’s possible to more than break even on grocery delivery and even saves money! …

Due to great promos, it’s possible to save money, time, and effort using Instacart to get not only groceries but non-grocery delivery from their assortment of partners, like BestBuy! Generally, the tradeoff for deliveries is convenience and time saved, but for a price. A while back, I decided to test…

I love efficiency, especially when applied to making our lives more comfortable. This time I wanted to dive into good old classic fans with Summer upon us. A few things we should note, the first of which is that fans do not cool, they merely move air and the heat…

I recently wrote about iBonds and why they’re an amazing savings vehicle but felt it was worth it to dive into them more deeply and consider whether iBonds can just be our emergency savings. For most, savings are just parked at a bank in a checking or savings account. Unfortunately…

Call it what you like, emergency funds, rainy day money, or just plain old savings, they’re the foundation of any good wealth-building lifestyle. Life happens and even the best-laid plans can be wrecked by life’s expected unexpected curveballs. If nothing else, 2020 onwards has proved that even if we know…