I Bonds Explained: How To Buy With Treasury Direct Site & Yotta App

by | Nov 9, 2022 | TIPS Bonds | 18 comments

I Bonds Explained: How To Buy With Treasury Direct Site & Yotta App




How To Buy I Bonds (Read):
Simply explained, I Bonds are a type of financial instrument designed to protect your buying power from inflation. Since inflation is at a multi-decade high right now, these have become a very popular investment. Right now, you may want to maximize the interest rate available through I Bonds before it changes in November.

The rate for I Bonds changes twice per year. As of October 2022, the current I Bonds rate is 9.62%, but it will be lower in November.

CORRECTION: You become a Creditor when money is owed to you, not a Debtor. A Debtor is an entity that owes money to someone else.

How To Buy I Bonds – 2 Ways

1. Treasury Direct Website (Difficult):
2. Yotta App (Easy):

Right now, these are the only two options you have to purchase I Bonds. I will be showing you a Treasury Direct I Bonds Tutorial as well as how to buy I Bonds on the Yotta App.

I am an angel investor in Yotta.
Bloomberg Article:

00:00:00 Introduction
00:00:15 What Is A Bond?
00:01:32 I Bonds Explained
00:03:43 How To Buy I Bonds
00:04:44 Buying I Bonds Treasury Direct
00:05:49 Buying I Bonds With Yotta
00:08:40 Treasury Direct Tutorial
00:14:01 Outro

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DISCLAIMER: Ryan Scribner, including but not limited to any guests appearing in his videos, are not financial/investment advisors, brokers, or dealers. They are solely sharing their personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Ryan Scribner’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor(s); and conduct your own due diligence.

See also  A Guide on Purchasing I Bonds

AFFILIATE DISCLOSURE: Some of the links on this webpage are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact our opinions and comparisons.

HOLDINGS DISCLOSURE: …(read more)


LEARN MORE ABOUT: Treasury Inflation Protected Securities

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18 Comments

  1. WholeCoinNerd

    Outside of all of his yelling, decent video

  2. BearMouse

    i am not seeing i bond bucket in yotta

  3. J P

    Great video! What happens to i bonds after 5 yrs? Can you still earn interest if you don’t withdraw?

  4. BearMouse

    Is the site down? I've not been able to get through the process of applying

  5. Hamster Nation Rules!

    Hey!! This was on an older video, but thank you so much for recommending Yotta! Not sure if you are still using it, but I’ve been using it since you recommended it and love it.

  6. Caleb

    This video got me pumped up to save and invest! Thank you!

  7. Paul Joseph

    From the Wall St Journal: "Bipartisan legislation introduced in the Senate last month would raise the cap on purchases from the current $10,000 to $30,000 when CPI holds above 3.5% year-over-year for a period of six months or more. "

  8. Michael Ayles

    Can I buy if my resident is guam?

  9. Will Mallory

    Excellent video Brother

  10. Paul Joseph

    You can purchase an additional $5000 of paper I bonds with your federal tax refund. Just adjust your federal withholding so you get a large refund. They can be purchased in tax software like H&R Block and Turbotax.

  11. dbest47

    Good Job Ryan, that's government for you! LOL !

  12. luis fernandez

    Great info Ryan. Can we buy $10000 at once?

  13. Jacob Burns

    The i-bond has a fixed interest rate of 0.00% + inflation %.
    It is 0% for the length of the bond. The inflation % rate does change, but it is linked to the CPI-U rate.
    Terrible investment imo.

  14. The only one

    Is this tax exempt,

  15. King Wright

    Good video Ryan, a little late but still good going through the process. For anybody thinking about buying, don't wait until the last day to buy because they don't process until the next day. I made this mistake before the May rate change so thought I'd point that out for anybody that was going to utilize maybe some funds from their end of month paycheck

  16. The only one

    Awesome great video!!!!!!

  17. Mason

    Whoever's reading this, I hope that whatever you're going through gets better and whatever you're struggling or worrying about will be fine and that everyone has a fantastic day! Amen

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