Finance

US financial tools, retirement savings, credit cards, and debt guides

Should You Break a CD After a Fed Rate Hike? Calculate the Switching Cost

A higher CD rate may not cover the early withdrawal penalty. Compare a $20,000 example over the same six months, calculate the break-even rate, and avoid APY and brokered-CD mistakes.

2026-09-18

Where to Park Cash in 2026: HYSA, CDs, T-Bills, and Money Market Funds

Cash still earns meaningful yield in 2026, but HYSA, CDs, T-Bills, money market deposit accounts, and money market funds are not interchangeable. This guide builds a practical cash ladder using Fed, TreasuryDirect, FDIC, NCUA, and SEC sources.

2026-08-05

Stablecoins Are Not Bank Deposits: 7 Checks Before Treating USDC or USDT Like Cash in 2026

A practical 2026 guide to stablecoins, FDIC insurance, redemption risk, platform balances, taxes, scams, and when a stablecoin should or should not be treated like cash.

2026-06-16

Rate Cuts, HYSA, CDs, Bonds, and Mortgage Refinancing: What Should You Actually Do?

Rate-cut headlines can make every money decision feel urgent. This 2026 guide explains how to think about high-yield savings, CDs, bonds, emergency funds, and mortgage refinance break-even math.

2026-05-13

How FDIC Deposit Insurance Works: It Is Not Just $250,000 Per Person

Work through single-owner, joint-account, and fintech examples to check FDIC limits, spot uninsured balances, and verify your setup with BankFind and EDIE.

2026-05-03