Good morning Reader!

🙏 First, a massive THANK YOU! Your support and your votes pushed us into the lead in Debt.com's 2026 FinTalk Awards and we were able to win Best Short-Form Content!

But more importantly than the award were your emails of support and love and thanks for these emails. It really means a lot to me to hear from you, thank you for reading!

💰 In financial news though, it's time for savers to shine.

The Fed is meeting tomorrow and interest rate traders think there's an 92.4% chance they raise rates to 3.75-4.00%. The 10 Year Treasury is tickling 5% (after touching it earlier this week).​ Rates are going up folks.

Last week, Barclay's raised all their CD rates ahead of time and now you can get 6-, 9-, and 12-month CDs all above 4.00% APY on top of a $200 bonus for opening a new account.

If you have any variable rate debt, now may be a good time to see if you can pay less before rates go up even more:

• For student loans, try this list of refinance options.
• For personal loans, Credible can help find the best rates.

💲 Best Bank Rates (as of 9/15):

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

🏛️ Short Term Treasury - VBIL 3.63%, 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 - $450 US Bank, $200 Barclays, $400 SoFi, $500 Bank of America & more​

​(View this email as a webpage)​
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📔 Libraries Anyone Can Join to Supersize Libby

Do you love Libby? If so, you know that one of the best ways to maximize the app is to join as many libraries as you can. It shortens waitlist times, increases what you can borrow, etc.

In this week's post, I share a few libraries that let anyone join for free, several that have an annual fee (but are worth it), and more.

It will level up your Libby account.

​👉 Libraries Anyone Can Join to Supersize Libby​

😃 How to invest when your portfolio gets bigger

Put this under "good problem to have" but for some investors, there comes a time when your portfolio gets large enough that market swings are pretty big.

If you have a million bucks, a 10% swing is six figures.

How are you supposed to manage this mentally?

Our portfolios are now big (with a solid 70% of it being market gains after 25+ years of compounding) and I liked this post by Ben Carlson of A Wealth of Common Sense. There's no right answer, but he shares a few ways to approach it.

And remember big is relative.

​👉 How to invest when your portfolio gets bigger​

🗞️ Money Stuff I Found Interesting

Here are some interesting articles you may have missed:

• ⭐ This Makes Life Richer, Stranger, And More Interesting (And It’s Basically Free) [Ryan Holiday] - It's reading.
• ​The side-hustle economy is getting more middle-class [Business Insider]
• ​People don't buy ideas. They buy you. [Big Think+]

💵 Good Deals If You Need Them

• ​Firstleaf Wine Promotion - 6 bottles of wine for $36 with free shipping for the whole year, which is the first time they've offered this (offer expires 9/18 though)
• 27% off a 4x6" Photo Printer now $160 - 4.4 stars, 4380 reviews, connects to your phone via WiFi and prints with thermal dye sublimation
• Want to know what NFL game will be on? Use these free NFL maps.​
• ​50% off Quicken Simplifi - 7-day trial and then just $3.49 a month for Quicken Simplifi.
• ​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. If you are old enough to vote but haven't registered, please register. The midterm elections are Tuesday, November 3rd which is less than 50 days away.

​(see archive of previous emails)​