My Cash Setup: Checking and Liquid Savings (2025/2024 Year-End)

Posted on January 14, 2025 // 19 Comments

Although I continue to monitor the best interest rates out there, in 2024 I made the conscious decision to tone down my rate-chasing and look for a lower maintenance setup that still gets a solid interest rate on my cash. Warning: This is going to … [Read the rest]

Robinhood IRA Boost Promos: 3% IRA Contributions, 2% IRA Rollovers and 401(k) Transfers (Gold Required)

Posted on January 14, 2025 // 3 Comments

Robinhood brokerage app has some solid Retirement account promos for the New Year. There are much fewer brokerage promos that include both IRA rollovers and 401k rollovers. These can be very lucrative with a large retirement balance, especially as … [Read the rest]

Best Interest Rates Survey: Savings Accounts, Treasuries, CDs, ETFs – January 2025

Posted on January 12, 2025 // Leave a Comment

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

MMB Portfolio Dividend & Interest Income – 2024 Year-End Update

Posted on January 10, 2025 // 2 Comments

Here’s my 2024 Year End income update as a companion post to my 2024 Year End asset allocation & performance update. Even though I don't focus only on high-dividend stocks, income-focused ETFs or high-yield bonds - I consider myself focused on … [Read the rest]

World Of Hyatt Business Credit Card Review: 60,000 Bonus Points Offer

Posted on January 9, 2025 // 2 Comments

The World of Hyatt Business Credit Card issued by Chase is the small business version of the consumer World of Hyatt credit card. Here are the highlights: 60,000 Bonus Hyatt Points after you spend $5,000 on purchases in your first 3 months … [Read the rest]

PSECU $300 New Checking Account Bonus (Updated 2025)

Posted on January 8, 2025 // 11 Comments

Updated with 2025 promo details. Pennsylvania State Employees Credit Union (PSECU) has a $300 new checking account bonus. That is also my referral link as I successfully did a similar $300 deal previously. PSECU is a digital-first credit union … [Read the rest]

Navy Federal cashRewards Plus Card: $250 Bonus, 0% APR for 12 Months w/ No Balance Transfer Fee, 2% Cash Back, No Annual Fee

Posted on January 8, 2025 // 3 Comments

Updated with no balance transfer fee 0% APR offer. The Navy Federal cashRewards Plus Card is the new and improved sibling of the Navy Federal cashRewards Card (no "Plus"). The difference: If the credit limit you get is $5,000 and above, you get … [Read the rest]

M1 Review: DIY Robo-Advisor, $75 Bonus via Referral

Posted on January 8, 2025 // 59 Comments

I've tried out my share of robo-advisors, which always sounded nice in theory but I eventually became disillusioned as they kept generating lot of unnecessary capital gains every time they change their model portfolios to chase the latest and hottest … [Read the rest]

MMB Portfolio: Should I Own Less International Stocks? (2024 Year End)

Posted on January 6, 2025 // 8 Comments

The most common reader question about my personal portfolio is definitely the fact that the allocation to international stocks has been a drag on performance relative to owning 100% US stocks. This is kind of a repeat topic, so I won't dive into … [Read the rest]

MMB Portfolio Asset Allocation & Performance – 2024 Year-End Update

Posted on January 6, 2025 // 6 Comments

Here's my Year End 2024 update for our primary investment holdings, including all of our combined 401k/403b/IRAs and taxable brokerage accounts but excluding our house and side portfolio of self-directed investments. Following the concept of skin … [Read the rest]

2024 Year-End Review: Annual Broad Asset Class & Target Fund Returns

Posted on January 2, 2025 // 1 Comment

Happy New Year! 🎉 🥳 Let's see how the year went for the broad asset classes that I track. Per Morningstar, here are the total annual returns (includes price appreciation and dividends/interest) for select asset classes as … [Read the rest]

Last-Minute Healthcare FSA Reminder (Average Loss $441!), Amazon $10 FSA Offer

Posted on December 29, 2024 // 13 Comments

Updated for 2024, new $10 Amazon bonus. Here's a year-end reminder to get back all the money sent into Healthcare Flexible Spending Accounts (HC FSA) due to their "use it or lose it" structure (see possible extensions below). According to the … [Read the rest]

« Previous Page
Next Page »