When high-yield savings accounts drop to 3.5%, where should you park cash? I Bonds offer inflation protection but lock you in for 12 months. Treasury Bills offer higher rates but no inflation adjustment. Here's the complete comparison of returns, liquidity, taxes, and which wins for different time horizons.
Most investors pay thousands more in capital gains taxes than necessary because they don't harvest losses strategically. Tax loss harvesting lets you offset gains by selling losers, saving $3,000+ annually. Here's the complete strategy including wash sale rules, robo-advisor automation, and when to harvest manually versus automatically.
Choosing between Roth and Traditional IRAs isn't about which is "better"—it's about tax arbitrage. For high earners, the decision hinges on whether your tax rate today is higher or lower than retirement. Here's the actual math with scenarios showing when each strategy wins, including the backdoor Roth wildcard.
