You should go look at the top 10 holdings of your equity funds you’re in. I bet for two of them it’s identical.
Maybe
joined 2 years ago
SNAXX is yielding 5.37%.
It really depends on why you’re holding the cash though- how long you plan on sitting on it. At some point it probably makes sense to lock in a longer duration t-bill/note.
I generally avoid holding cash unless there’s a specific spending goal in the next 3ish years.
I don’t think there’s a bad decision.
A CD isn’t the only option. A 2-year treasury note pays 4.82% right now. You could do that and then reevaluate in 2 years. Having more accessible/liquid assets leads to more flexibility if you need money for an emergency or even a move or downpayment or whatever.
There’s also the very remote possibility for loan forgiveness.
I don’t think the interest spread is large enough for that to be the “slam dunk” answer though. If you’re not great with money or just don’t want to deal with another administrative burden I’d lean towards just being done with the loans.
Are you helping because you genuinely want to help, or are you helping because you’ll feel you’re “owed” something after you do? Whether that’s approval, friendship, etc? If it’s the latter, there’s a lot of baked in manipulation and dishonesty in your approach.
Focus on yourself. Help yourself. No one owes you anything and the only one responsible for you is you.
Honestly, niche YouTube channels. The problem is sometimes you don't want to sit through a 30-45 minute video to find the information you're after.
Probably gardening.
A few seed packets and some dirt turns into building nice cedar raised gardens, filling them all with great quality soil, expensive liquid fertilizers, various irrigation systems, and so on. And I can't just haul all that dirt in my sedan... But hey, I have 20+ tomato plants, and about as many different pepper plants every year.
It's honestly nowheer near as expensive as some of my other hobbies, but on the "a lot more money than I expected" scale it's up there.
I love that you consider parenting a hobby, lol
I’d take some clean shears and prune the black leaves, assuming it’s not entire plants. If it’s some kind of disease/blight this can help keep it from spreading.
I love how he took the time to put on his little USA pin first. Likes it’s a presidential debate lmao
The email I use for random website sign-up’s is an ancient hotmail account that I only check when I’m expecting a specific email. It’s like thousands of spam messages.
The more important things using my actual email are comparatively small.