Good morning Reader, The final penny rolled off the Mint a week ago and now the U.S. Mint is auctioning off 24K gold three-coin sets. You can tell they're part of the final run because, well, they're made of gold but also because they have a special Omega (Ω) privy mark. I get that the Mint sells coins for a profit... ... but this one feels a little weird. What do you think? (View this email as a webpage) 🧮 IRS Updates Limits for 2026 The IRS released the contribution limits, income...
10 days ago • 1 min read
Good morning Reader, At last check, the government looks to be on the verge of reopening after eight Democrats agreed to the resolution in return for a promise of a vote on Affordable Care Act subsidies. Despite what you may think about the politics of the matter, we can all agree it's crazy our country punishes itself like this every few months. Oh, and in the meantime, we haven't gotten any government reports but Goldman Sachs thinks we lost 50,000 jobs in October. That's not good. (View...
17 days ago • 1 min read
Good morning Reader, I've been playing around with the idea of creating a community where we could all hang out - share ideas, ask questions, etc. - is that something you'd be interested in? Hit reply and let me know what you think (good or bad!) - I'd love to hear your thoughts on something like this. (View this email as a webpage) 🥶 Freeze your credit reports There is a no-cost way to stop identity thieves in their tracks and takes must a few minutes to set up. You should do this today. I...
24 days ago • 1 min read
Good morning Reader, Quick heads up: This afternoon, the Fed will announce what it'll do with interest rates and traders expect it'll get lowered by 25 basis points to 3.75-4.00%. (nationally available CD Rates are mostly under 4% these days) When rates go down, borrowers get rewarded and savers get punished. It's cheaper to borrow and you get paid less to save. The economy will like it, as companies like to borrow money, but remember that if you want to get higher yield on your savings, lock...
about 1 month ago • 1 min read
Good morning Reader, My parents visited last week, the first week of the government shutdown, but their friends were able to visit various D.C. museums because they still had funding. Now most are closed. NPR has a good updated recap of what's being impacted as the shutdown enters it's 4th week. Has the shutdown impacted you? (View this email as a webpage) 🗑️ You're allowed to outgrow things When I started working, I kept a budget in an Excel spreadsheet. I tracked everything down to the...
about 1 month ago • 1 min read
Good morning Reader, Did you know Amazon has an Alexa skill where you can ask it to send you samples? It's made by and after you set up the skill, you can ask Alexa to send you samples if they have them. I explain it on Instagram, which has decided to cut off my hair whenever I use a green screen. 🤣 You can also sign up to SendMeASample.com directly and request samples. Right now they're giving a sample of Chomps. (View this email as a webpage) ⏲️ It’s never too late When I was younger, I was...
about 2 months ago • 2 min read
Good morning Reader, If you're interested in a tiny side hustle, there's a group called PFS Buyer Club that helps source in-demand items for their members - usually these are limited release coins from the Mint. You buy a limited release coin for ~$110, they buy it from you for $140, and you make $30 as the intermediary. PFS Buyer Club is free to join. You won't get rich but I've done a few of these in the past and haven't run into any issues. Here's my review of the process. (View this email...
about 2 months ago • 1 min read
Good morning Reader, The government shut down today, the first time since 2018 through 2019 when it was closed for 35 days, and there's no sense of how long it will be this time. This time is a little different though for two big reasons: There's no fear of the government hitting the debt limit, so payments will still get sent out President Trump has threatened mass firings rather than furloughs I assume someone is already working on a remake of "Takedown" from KPop Demon Hunters. 🎶 (View...
about 2 months ago • 1 min read
Good morning Reader, The Federal Reserve has what's called a dual mandate - promote maximum employment and keep inflation in check. If you keep rates high, you risk higher unemployment. If you lower rates too much, you risk higher inflation. In their most recent meeting, they cut rates by 25 basis points. Borrows benefit from lower interest rates while savers are, surprise surprise, hurt by lower rates. It remains to be seen if the Fed that walk that tightrope. (View this email as a webpage)...
2 months ago • 1 min read