Trump 530A Accounts: Non-Deductible IRA for Kids (Check if you have kids under age 10)

Posted on September 8, 2026 // 16 Comments

A Trump Account (aka 530A Account, or 530 IRA) is a new type of retirement investment account for children. They offer tax-deferred growth, but you don't get a tax break upon contribution. Funds generally cannot be withdrawn until the child reaches … [Read the rest]

CIT Bank Platinum Savings APY Boost Promo: 6-Months at 4.25% APY (New and Existing Customers)

Posted on September 1, 2026 // 21 Comments

CIT Bank has a limited-time Platinum Savings APY Boost Promotion, offering a boosted interest rate of 4.25% APY for 6 months on their Platinum Saving account that is 0.50% APY above the standard APY (currently 3.75% APY) for balances of $5,000 and … [Read the rest]

Certified Financial Planner (CFP) Designation is Not a Very High Bar

Posted on September 1, 2026 // 8 Comments

Last year, I took an official Certified Financial Planner (CFP) course, which satisfies the "Education" requirement of becoming an official Certified Financial Planner (CFP). Mine was online and self-paced at the University of Georgia with a net … [Read the rest]

GalaxyOne App: $1,000 Bonus on $10,000 Deposit

Posted on August 27, 2026 // 17 Comments

GalaxyOne is a fintech super-app that combines a checking account, stock trading, and crypto. Checking account is through Cross River Bank, FDIC. Brokerage is through FIN2, a FINRA/SIPC member firm. Digital assets are held in custodial wallets … [Read the rest]

Vanguard Outlook 2026: Financial Advice (Altruist Acquisition), High-Yield Cash, Better Bond Options

Posted on August 26, 2026 // 1 Comment

Vanguard has been a big part of building my net worth, and I'm always watching to see if they are keeping the culture. Barron's last week ran the article Vanguard Conquered the ETF World. Where It’s Aiming Next, but it's probably behind a paywall. … [Read the rest]

Groupon: Costco New Membership $65 w/ $40 Costco Gift Card

Posted on August 25, 2026 // 13 Comments

Groupon has brought back their limited-time deal on new Costco Gold Star or Executive Memberships. There are two options. $65 for Gold Star Membership Package 1-year Gold Star Membership (normally $65 by itself) Membership card for the … [Read the rest]

Self-Directed Investors Hold a Lot of Cash. Maybe That’s Perfectly Rational

Posted on August 23, 2026 // 7 Comments

In this Morningstar market brief, it is revealed that the average self-directed Vanguard investor (7 million accounts!) held an asset allocation of 65% stocks, 24% cash, and 10% bonds. That's a lot more cash than I expected as well. Then this … [Read the rest]

Long-term TIPS Yield now 3%; 4.9% Guaranteed 30-Year Withdrawal Rate

Posted on August 18, 2026 // 1 Comment

Keeping track of TIPS yields is useful because it provides a baseline of the return you can get by taking minimal risk. Beyond just the reliability of US Treasury bonds paying out their interest and return of principal at maturity, TIPS are US … [Read the rest]

Best Interest Rates on Cash: Bank Accounts, Treasury Bills, Money Markets, ETFs – August 2026

Posted on August 16, 2026 // 6 Comments

Here's my monthly survey of the best interest rates on cash as of August 2026, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earn more interest while keeping the same … [Read the rest]

Citi AAdvantage Platinum Select Credit Card Review: 80,000 Bonus Miles (Limited-Time Offer)

Posted on August 11, 2026 // 7 Comments

Limited-time offer is back. The Citi AAdvantage Platinum Select World Elite Mastercard is the co-branded American Airlines card from Citi. The sign-up bonus varies, but since you can only get it once every 48 months, right now is a good time with … [Read the rest]

Are You Maximizing Your 401k Employer Match as a Couple?

Posted on August 2, 2026 // Leave a Comment

Here's an article about the question "Do married couples efficiently allocate their retirement contributions across their retirement accounts?" Since employer match rates differ, even if you both for example set aside 5% of salary, that may not be … [Read the rest]

Paze Promo: $10 Credit x 10 Uses = $100 Total Per Linked Card (Old Discover Cards Now Work)

Posted on July 29, 2026 // 11 Comments

As of 9/27/26, most Discover cards were transitioned to Capital One. Capital One cards work with Paze, so now you might have some new sources of $10 credits! My family just ordered another 3 x $10 of Domino's last week. To add them, log into … [Read the rest]

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