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Hi, I'm Jim Wang and I share my strategies and tactics for managing your money and enjoying more out of life.

📈 Invest anyway

Published 5 months 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 it up into a CD.

Raisin has some good ones plus a cash bonus.

(View this email as a webpage)

📉 Invest anyway

The market is overvalued? Invest anyway.

The economy looks weak? Invest anyway.

AI is taking over? Invest anyway.

👉 Invest anyway

😖 Google AI Overviews is still not great

My friend Robert at The College Investor asked Google a bunch of money questions again.

Last year, 43% of answers were inaccurate.

This year, 37% are. Google is getting better, but 37% is still pretty bad.

👉 37% of Google AI Finance Answers Are Inaccurate in 2025

🏠 Paying Off Mortgage Before Retirement?

To be 100% honest, I thought it was a no brainer to pay off your mortgage before retirement... but it turns out it's not.

There are pros and cons to doing that.

👉 Pros and Cons of Paying Off Your Mortgage Before Retirement

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

Talk to you soon!

Jim

PS. What's up with gold? Before you rush into a Gold IRA, Nick Maggiulli explains what's been going on with gold.

(see archive of previous emails)

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Hi, I'm Jim Wang and I share my strategies and tactics for managing your money and enjoying more out of life.

💵 Founder of WalletHacks.com

I have been writing about money for nearly 20 years and believe that personal finance is one of those subjects that is made complicated because it benefits a select few. Our aim is to help make it easier to understand so that regular folks can use what we teach to take control of their money and build wealth.

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