Good morning Reader!

The Iran war is now longer and bigger than initially expected and it's going to impact your finances in ways beyond the stock market.

For now, the biggest concern beyond the human toll is the price of oil. A barrel of crude flew above $100 earlier in the week, which hasn't happened since July 2022, before falling back down to under $85 yesterday.

Energy goes into everything and so the longer the war lasts, the more prices will stay higher because of higher fuel and transportation costs.

When that happens, you'll start hearing concerns about a stagflation - that's when you have higher prices (because of oil) with slow economic growth and high unemployment. The U.S. labor market lost 92k jobs in February.

If you're concerned, make sure you have a fully funded emergency fund and a strong financial emergency plan. You have to play defense.

​👉 Click here to sign up for our free Fund Your Emergency Fund mini-course.​

💲 Best Bank Rates (as of 3/10/2026):

The Fed meets in a week, traders expect them to hold rates steady. 99.4% chance of no change.

• High Yield Savings - 4.21% APY from Axos​
• Short Term Treasury - VBIL - 3.55%
• Certificates of Deposit (see 30k+ rates on CD Valet)
  • Best: 4.15% from TBO Bank (6mo)
  • 6 months: 4.15% from TBO Bank
  • 12 months: 4.15% from Credit One Bank​
  • 60 Months: 4.00% from Sallie Mae Bank​
• Bank Bonuses - $450 US Bank, $400 BMO, $200 Barclays, $1500 Marcus & more​

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🛑 The HALT Rule

You know how it's a bad idea to go grocery store shopping when you're hungry?

That's the HALT rule. Don't make important decisions when you're hungry, angry, lonely, or tired.

This is especially important recently with the headlines we're seeing these days.

Here's how it can help you and your money:

​👉 The HALT Rule Will Help Make You Rich​

📅 How to file taxes for free

It's mid-March and we're only a month away from Tax Day. So while you celebrate St. Patrick's Day this weekend, keep these free (or almost free) tax prep options in mind:

​👉 How to File Your Income Taxes for Free (or at discount)​

📜 Don't Make These Estate Planning Errors

Ashley shares a list of 10 estate planning errors retirees don't realize they're making ... but I'd argue these are mistakes anyone could easily make.

If you have kids, this is worth scanning to ensure you're aware of the right questions you need to be answering as you plan your estate.

​👉 10 estate planning errors retirees don’t realize they’re making (until it’s too late)​

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

Talk to you soon!

Jim

PS. If you have a minute, do you mind adding WalletHacks.com as a trusted Google source? It will cost you nothing and help me out a ton! Thank you! 😍

​(see archive of previous emails)​