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...

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...

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...