E-Trade from Morgan Stanley: Savings and Checking Account Bonuses

Savings offer improved. E*Trade (Morgan Stanley Private Bank) is running promotions for new customers on both their savings and checking accounts: Premium Savings up to $2,000 deposit bonus + 3.50% APY Max-Rate Checking $300 bonus + up to … [Read the rest]

Capital One 360 Checking Bonuses: $250 w/o Direct Deposit, $300 w/ Direct Deposit

Updated with new offers. Capital One has two different checking bonuses for new customers right now, one that requires direct deposit and another that requires debit card activity. You'll have to pick one. $250 bonus w/o Direct Deposit … [Read the rest]

2025 Year-End Review: Asset Class & Target Date Fund Returns

2025 saw positive returns for every broad asset class that I track. Per Morningstar, here are the total annual returns (includes price appreciation and dividends/interest) for select asset classes as benchmarked by popular ETFs after market close … [Read the rest]

Free Credit Monitoring Alerts From All 3 Major Credit Bureaus

Updated. Happy New Year! 🎉 🥳 In terms of keeping my finances in order, what I've been finding most useful recently are credit monitoring alerts. The last time I applied for a credit card, I received multiple e-mails within … [Read the rest]

Lyft: $15 Ride Credit by Linking Atmos (Alaska Airlines) Account

Get a $15 Lyft ride credit if you link your Atmos Rewards (Alaska/Hawaiian Airlines) and Lyft accounts for the first time before 1/14/26. Lyft ride credits will be awarded within 5 days of the end of the Promotional Period and expire on January 31, … [Read the rest]

The Triple Benefits of Travel

As we leave one year and get ready to enter the next, here's a good quote from Between Two Kingdoms: A Memoir of a Life Interrupted by Suleika Jaouad (recommended; a very moving memoir). He has a theory: When we travel, we actually take three … [Read the rest]

OKX Crypto: $200 Referral Bonus + 5% Deposit Bonus + 5% APY on USDG + AirDrops

Updated. Crypto exchange OKX is currently offering a few different bonuses which may be stackable. Details below. New customers: $200 referral bonus Should auto-populate the promo code 79795662. Thanks mine, thanks if you use it! New and … [Read the rest]

The Power of Sharing

December 2025 marks the 21st anniversary of this site. Every year about this time, I think to myself: "How crazy! It worked!" I’ve been able to choose my work (or not to work) on my own terms for a while now. However, I keep going because I … [Read the rest]

The Central Struggle of Investing: Repeatedly Choosing Easy but Boring

Michael Burry, of "Big Short" fame, recently shut down his hedge fund and started a Substack with an educational goal. I enjoy following his musings because he's not afraid to say what he thinks, even if I often don't agree (or have any idea what … [Read the rest]

Walmart: $10 off $50 First 3 Pickup & Delivery Orders (New Customers)

Walmart has a promotion right now offering new customers $10 off $50+ on their first 3 orders of pickup or delivery with promo code HOLIDAY10. Here is the press release and the fine print with a few restrictions. If you do mostly grocery items … [Read the rest]

Fidelity Tax-Loss Harvesting Tool: Help Identify Capital Loss Opportunities

Fidelity has a number of useful Tools & Calculators, most of which are open to everyone to use. However, their Tax-Loss Harvesting Tool (login required) is meant for Fidelity taxable brokerage customers, as it is based on your personal data and … [Read the rest]

LifeX TIPS ETFs: Monthly Inflation-Adjusted Income

Sometimes it seems like everyone just wants risk these days. Crypto. Sports gambling. Options trading, ETFs that magically yield 10% or more. However, if you're in the opposite camp and you want the absolute least amount of risk, you'd want to … [Read the rest]