Good morning Reader?

When I was younger, I was very much an optimizer. I had the time to analyze and study and deliberate on what was best.

As I've gotten older and my responsibility has increased, I've slowly morphed into a satisficer. That's someone who is quick to make decisions and that may mean you don't get the optimal result, but a "good enough" one.

This is why I invest in index funds, have just a few credit cards, and automate practically everything.

I really enjoyed Christine Benz's article on the subject titled "What’s a ‘Good Enough’ Financial Plan?" and at the risk of confirmation bias, has made me feel good about what I'd maybe consider laziness. 🤣

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🥸 Stealth wealth

Real wealth is often silent.

Think rappers and rock stars vs. Waltons and Rockefellers.

Here's why being quiet with your money is better:

​👉 Why you should keep your money to yourself​

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⏱️ Fed is very probably cutting rates

It may sound like a broken record but there's a very good chance the Fed lower rates by another 25 basis points. Fed futures contracts imply an 89.6% chance they do. Good for borrowers, bad for savers.

If you want to get ahead of the curve, now's a good time to lock short term savings into a CD.

​CD Valet is a site that collects rate information from what feels like thousands of banks and credit unions. It's one of the best places to look for CDs and where I go to first.

Their top rate is a 4.25% APY 9-mo from Seattle Bank, available nationwide. It's worth a look:

​👉 See the best CD rates​

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🚗 When did you last compare car insurance?

If you haven't shopped around for car insurance in the last year, you should.

Step 1. Find out what a new company will offer you.

Step 2. See if your current company will match or beat it.

Either way, you win!

​👉 Comparison shop your car insurance​

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What did you think of today's email?​
✅ I Loved It! 🟨 It Was Okay ❌ Not My Favorite​

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Talk to you soon!

Jim

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PS. Starbucks Merrython is happening now, you can win that bear cup everyone went nuts for, stars, and other prizes. You can play once a week for prizes (then it's just for fun).

​(see archive of previous emails)​