Mental Models discussed in this podcast: Inflation Emergency Fund Please review and rate the podcast If you enjoyed this podcast and found it helpful, please consider leaving me a rating and review. Your feedback helps me to improve the podcast and grow the show’s audience.

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Series I Bonds Current Yield: 7.12% (through April 2022) Re-rates every 6 months according to an inflation index (not sure which one) Combination of a fixed rate (currently 0%) and a variable interest rate. Maximum of $10k/year per person. On a calendary year basis. Available for purchase on TreasuryDirect.gov Emergency Fund Need Liquidity Principal protection Normally lacks inflation protection (nice to have, not a need) My plan: 50% savings account 50% Series I Bonds Take a few years to move into the I Bonds slowly to limit liquidity risks Normal recommendation is 3-6 months of expenses. I like 12 months as a long-term goal.

Summary: Series I Bonds are an inflation protected security issued by the United States Government to individual US Citizens. These non-marketable securities offer interest rates comparable to inflation and are an ideal asset to include in an emergency fund….(read more)

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