The Series I Savings Bond carries a 0.90% fixed rate right now — the highest since 2007. That fixed portion stays with the bond for 30 years no matter what inflation does, which means a buyer in June 2026 has locked in a permanently better real return than anyone who bought betwe
The average investor earned 16.54% in 2024 while the S&P returned 25.02% — an 848-point behavior gap that compounds to roughly $180K lost on a $500K portfolio.
The 10-year Treasury yields 4.67% risk-free. If your mortgage rate is below 4% — like 60% of homeowners — investing beats payoff before you even touch the stock market.
A $0 robo-advisor fee can quietly cost you $700/year in cash drag — here's what six major platforms actually charge when you add it all up.
A 100% VTI portfolio lost $4,000 this year. A simple 3-fund split? Just $2,400 — plus $1,700 in bond income. Here's how to build it.
A maxed-out 401(k) compounds to roughly $3.1M over 30 years. A rental property at today's 7%+ rates? About $1.3M — and you'll bleed cash for years first.
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