Podknife - Make More Than .01% Interest From Banks | E81 Jeremy Keil by The Struggle is Real: Adulting 101

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Make More Than .01% Interest From Banks | E81 Jeremy Keil

Podcast |: The Struggle is Real: Adulting 101
Publisher |: Justin Lee Peters
Media Type |: audio
Podknife tags |: Growing Up,; Interview,; Personal Journals,; Self-Help
Categories Via RSS |: Business,; Careers,; Education,; Health & Fitness,; Mental Health,; Self-Improvement
Publication Date |: Jan 16, 2023
Episode Duration |: 00:58:53

19 cents. That’s how much in interest that my bank paid me in 2022.

I’m not sure if that makes me want to cry, yell, or laugh but those are none of the feelings that I want to have when it comes to calculating my annual bank interest.

The good news is, I don’t keep a ton of money in my savings account. Simply a couple thousand dollars that acts as an emergency fund.

But that comical calculation would make me furious if I had tens of thousands of dollars in my savings account.

The last few years have shown us the real impact of inflation. An item that cost $100 in 2020 cost roughly $115 today using the average cumulative rate of inflation.

What does that mean? Just to break even, you want your money keeping up at the same rate. 19 cents isn’t going to do that for me.

Luckily Jeremy Keil is here to give us some strategies on how we can make more interest from our savings.

We also talk about how much money you should have in your bank account, what are I bonds and how you can use them for short savings, and why, even as a young adult, you shouldn’t discount social security in your retirement plan.

Key Takeaways:

Why are interest rates continuing to go up?
How is inflation calculated?
How much money should I have in my bank account?
How to find the best bank account interest rates?
Automate your bank savings rate using maxmyinterest.com
What are I bonds and how to use them to get more interest out of your savings
Where to buy I bonds
What are treasury bonds?
How to negotiate your interest rates with your current bank
Why social security is going to be around for you when you get older
How is social security calculated
How to fix social security
Ask better questions with motivational interviewing

Mentions:

www.bankrate.com

www.maxmyinterest.com

www.treasurydirect.gov

More of Jeremy:

revealed.com">www.retirement-revealed.com

More of Justin & The Struggle is Real:

Find show notes and more at https://www.tsirpodcast.com/

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