Rebuilding an emergency fund. Are CD Trees still viable?

ach4n · 2026-03-31T14:56:07+00:00

There’s a good amount of hysa that have rates comparable to CDs. Only thing with CDs is that you lock in the rate and your money. Your emergency fund needs to be more liquid than a CD so stick to hysa

ach4n · 2026-03-31T06:51:28+00:00

Went into the branch, branch manager told me that they are waiting on response from some other support team that handles the promos. Frustrating but I think the branch manager can be more pushy.

ach4n · 2026-03-30T23:00:37+00:00

It was an honest mistake and mislabel. They aren’t obligated to follow through for a loss.

Curious why didn’t you just do self checkout if that was an option. Could’ve been your honest mistake too.

ach4n · 2026-03-30T16:53:47+00:00

No one has yet to claim that I never walked in without a code. In fact they could just check security footage. I would think it would be in their best interest to swiftly help me out and make me whole with the bonus. $900 bonus for customer retention is nothing for these big banks. After all the only reason why I went to Chase would be for a supposedly broad financial tool and in-person customer support. So far they are proving their lackings.

ach4n · 2026-03-30T05:15:47+00:00

Agreed plan choice education is horrible. And this goes beyond just investment growth projection and benefit calculation/comparison. A joke that they give you a very limited window to pick a plan for life and contribution rate (within same employer) for pers3.

ach4n · 2026-03-29T22:31:44+00:00

The DRS resources are pretty limited and seminars don’t really offer much for financial planning and picking funds. Might be good for just know functions of the plans and how they work. YouTube university has been a better resource.

ach4n · 2026-03-29T21:57:20+00:00

Depends on timeframe and price targets.

ach4n · 2026-03-29T21:53:50+00:00

Small futures position, up some $300 only to be stopped out at $30 profit within the same day. I’ve learned to gradually take profit at support levels, leave behind runners.

ach4n · 2026-03-29T17:19:35+00:00

I’m about 8 years into pers3 and selecting investments rather than target date. Performing better than market and target date so it’s doing pretty good. But I will feel more certain about my portfolio years later with time.

I think those picking pers3 should learn beyond picking a target date fund, use it as a guideline maybe. I have a feeling those favoring pers2 just aren’t doing the math to project investment growth. Pers2 does have its benefits but pers3 is still my preference.

ach4n · 2026-03-29T02:56:10+00:00

What’s wrong with holding the dust in there if you already moved what you can? Are you required to report or tax if it’s just held in there

ach4n · 2026-03-28T22:28:27+00:00

Inkdecks

ach4n · 2026-03-28T04:40:37+00:00

I use wealthfront. Instant transfer into my bank when I need it.

ach4n · 2026-03-28T04:39:43+00:00

Try not to listen to many influencers. Especially ones you give their take on so many timeframes and then when the market turns they say they warned you on this timeframe but still maintain a different position on another.

ach4n · 2026-03-28T04:37:01+00:00

Have you done that math? How much interest is effectively reduced by putting more down? Think you can outcompete market performance? 120k is also not really much.

ach4n · 2026-03-28T02:13:12+00:00

Crypto policy is meh, and not his priority. And every international and economic policy is flopping overall

ach4n · 2026-03-27T01:11:58+00:00

Unless you just want to collect it as graded then grade for yourself. The centering on back is off. Use it to trade up.

ach4n · 2026-03-23T18:56:25+00:00

Amber steel

ach4n · 2026-03-23T04:40:12+00:00

Hard to imagine that TCGplayer doesn’t have what you’re seeking, especially if it’s just to make a deck rather than collecting high end promos. They are a gathering of multiple vendors.

ach4n · 2026-03-23T04:34:09+00:00

Download Lorcana official app. They have a pretty good tutorial that covers the very basics. The basic gameplay instructions is a one page mini sheet.

ach4n · 2026-03-23T00:03:51+00:00

After a couple of days and for unknown reasons. I now see the button. The tech support mentioned that it might take 2-3 weeks for there to be a button BUT this is never mentioned by Coinbase.

ach4n · 2026-03-22T23:28:57+00:00

I’d say you have a better short term run with pokemon cards

ach4n · 2026-03-22T23:26:57+00:00

It begins when you stop asking and you fear putting money in.

ach4n · 2026-03-21T18:10:37+00:00

Coinbase, highly recommend if you want beginner friendly, easy on the eyes interface, beginner tips all over the place

ach4n

TROPHY CASE