Good morning Reader!

A company recently reached out to me about their negotiation service. You give it all the bills you pay, they try to use AI to negotiate down the monthly charge, and you only pay if they are successful. (I'm not sharing their name because I want to learn more about it)

I'm not entirely sure if they can help me personally as I try to negotiate one bill each month (that list has 12 targets). It doesn't always work. It doesn't have to though. I just give it a try and if it works, great.

You don't have to do everything all at once. That would take a lot of time and too easy to put off. Getting 1% better each day is a winning strategy.​

Give it a shot, negotiate something today.

💲 Best Bank Rates (as of 9/8):

💰 High Yield Savings - 3.80% APY + $400 Bonus from SoFi​

🏛️ Short Term Treasury - VBIL 3.65%, SGOV 3.63%

📀 Certificates of Deposit (see all 40k+ rates)

🔍 Below are nationwide rates, CD Valet has local rates which can be higher so click through to double check for your state.

• 12 months: 4.35% from Quorum FCU​
• 24 months: 4.40% from Happen Bank​
• 60 Months: 4.40% from Sallie Mae​
• 120 Months: 4.40% from First National Bank of America​

💵 Bank Bonuses - $400 from E*Trade, $450 US Bank, $200 Barclays, $400 SoFi, $500 Bank of America & more​

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🤖 Do You Really Need AI In Your Finances?

ChatGPT lets you connect your finances. And brokers are now letting you connect LLMs and agents to act and trade on your behalf.

Is this necessary? Is it even a good idea?

Here's my take:

​👉 Do You Really Need AI In Your Finances?​

📋 The World's Safest Market is Breaking

You know how there are almost no pensions anymore and every company now offers 401(k)s instead?

That helps the stock market but it hurts the bond market because pension plans used to buy long-dated Treasury bonds. Pensions wouldn't care about price because they held to maturity, using the payments to pay out pensions.

This 16-min video explains it and its impact:

​👉 The World's Safest Market is Breaking​

🗞️ Money Stuff I Found Interesting

Here are some interesting articles you may have missed:

• ⭐ 5 great games to play instead of doomscrolling [NPR]
• ​Would you buy a $500 Dyson toothbrush? [New York Post]
• ​Bleeding Hearts [Atavist] - "An ex-cop pulled off the largest armed robbery in Austria’s history, with his friend’s mistress as his accomplice."
• ​The One Trip to Take in Every Decade of Your Life [The Discoverer Blog] - Fun list with good reasoning but I like it for the ideas and don't think the decades have to match.

💵 Good Deals If You Need Them

• ​50% off Quicken Simplifi - 7-day trial and then just $3.49 a month for Quicken Simplifi.
• ​Cardpointers is 50% off - I love it because I can activate bonus cashback offers on my credit cards with one button press.
• ​E*Trade will give you $400 if you deposit $20,000.
• ​Fetch is a free app that gives you points for scanning receipts, get 2000 points after your first receipt. (here's our review)
• ​TradeUP offers up to 50 NVDA shares - It's a brokerage transfer bonus, with a bonus starting at $2k in deposits.
• AI-powered budgeting app Origin is only $1 for the first year
• ​Check if you're overpaying for car insurance (it's free)

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

Talk to you soon!

Jim

PS. Thank you for voting in the Debt.com FinTalk Awards, the lead is slipping a little bit and I need your vote if you have a second! Click here and you can vote three times for the same person! (thank you!)

​(see archive of previous emails)​