🧦 Would you lend your stocks out?

Published 2 days ago • 1 min read

Happy New Year Reader!

Did you do anything fun for New Year's Eve? We took a trip to the Dominican Republic and flew back the day after the U.S. military captured Maduro in Venezuela.

All flights from Puerto Rico were suspended but we managed to make it out despite being just one island over. Some people are still stranded there because there just aren't enough flights.

Happy New Year!

💲 Best Bank Rates (as of 1/5/2026):

High Yield Savings - 4.31% APY from Axos Bank
Certificates of Deposit (see rates)
- Best: 4.10% from Credit One (12mo)
- 3 months: 3.95% from State Bank of India (California)
- 6 months: 4.10% from Credit One
- 12 months: 4.10% from Credit One
Bank Bonuses - $450 US Bank, $400 BMO, $325 Wells Fargo, $200 Barclays & more

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🎁 Vanguard's Share Lending Program

If you have over $500k at Vanguard, you could get access to their Fully Paid Lending Program. It's where they lend out your shares to short sellers looking to borrow them.

I took a closer look to see whether it was worth it.

👉 Vanguard Fully Paid Lending Program Review

🧹 Financial Spring Cleaning Ideas

I know it's not spring yet but here's a list of 11 quick moves you can make to clean up your finances.

I think a good first step is to close an unnecessary bank account.

👉 11 Financial Spring Cleaning Moves

☕ Whose Cup Are You Filling?

A good post to help you think about priorities and where we are spending our time and energy.

👉 Whose Cup Are You Filling?

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

Talk to you soon!

Jim

PS. We got our high school aged son a cell phone and service via Mint Mobile. Service is just as good (it's T-Mobile) and it's flipping $15 a month!

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