Jay Fairbrother
Jay Fairbrother
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Everything You Need to Know About T-Bills & I-bonds 2024
Use Finvest to Buy T-Bills- finvest.1stcollab.com/jayfairbrother_2_2
It's STILL a great time to invest in both T-Bills and I-bonds in 2024! I'll explain why, and give you everything you need to know about buying both Treasury Bills and I-Bonds in 2024. Including my strategy for investing in both tbills and ibonds this year!
Sign up for my newsletter & get more of my thoughts on finance, investing and whatever else is on my mind...algorithm free! jayfairbrother.me/newsletter
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💰 M1 Finance: jayfairbrother.me/m1-finance
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HOW I MANAGE MY MONEY
Empower: jayfairbrother.me/empower
OTHER USEFUL LINKS:
My Favorite Personal Finance Books: www.amazon.com/shop/jayfairbrother/list/15G2HP6K2CBMU
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OTHER VIDEOS TO WATCH:
✅ T-Bills Explained: ua-cam.com/video/ZMX2hp_nXiM/v-deo.html
✅ I-Bonds Explained: ua-cam.com/video/xPG5AFYUA7Y/v-deo.html
✅ How To Build A T-Bill Ladder: ua-cam.com/video/hcVv3VJ7hAs/v-deo.html
- Connect with Me On My Socials -
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/// HOW I MAKE MY VIDEOS \\\
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For business or one on one consulting inquiries, please email me at jayfairbrotherofficial@gmail.com
*Some of the links and other products that appear on this video are from companies which I will earn an affiliate commission or referral bonus. I am part of an affiliate network and receive compensation for sending traffic to partner sites at no cost to you...However this DOES NOT impact my opinions and comparisons. Thanks for your support!
Some of the offers mentioned and information conveyed in this video may change after the posting date. The content in this video is accurate as of the posting date.
None of the content in this or any of my videos is meant to be construed as investment advice. It is for entertainment purposes only. Please research and carefully consider the risks of any potential investment before taking action. Only YOU can decide the best actions for your money!
#tbills #treasurybills #ibonds #getfinvest #personalfinance
Переглядів: 30 197

Відео

Should You Still Be Using M1 Finance in 2024? - M1 Finance Review
Переглядів 10 тис.2 місяці тому
M1 Finance has changed A LOT in the last year. Let's discuss what's better, what's worse, and if M1 Finance is still worthy of your investing dollars in 2024. 3/24/24 UPDATE: M1 Has released a Cash Account With a 5% Interest Rate! Check it out here: jayfairbrother.me/m1-finance Sign up for my newsletter & get more of my thoughts on finance, investing and whatever else is on my mind...algorithm ...
80% of Millionaires Do THIS To Get Rich
Переглядів 1,2 тис.3 місяці тому
How do millionaires manage their money differently from the rest of us? Here are some facts about how millionaires save, spend and invest their money in order to gain the wealth they have. Some of these millionaire stats may shock you! Sign up for my newsletter & get more of my thoughts on finance, investing and whatever else is on my mind...algorithm free! jayfairbrother.me/newsletter INVEST W...
How To Become A Millionaire on A Low Salary
Переглядів 1,3 тис.5 місяців тому
You can build lasting wealth no matter how much money you earn and there's one simple key to doing so. A janitor and the world's richest man may not seem like they have much in common. But the stories of Ronald Read and Warren Buffett hold the the key building wealth and becoming a millionaire no matter how much money you make. Book Featured in this video: "The Intelligent Investor" by Ben Grah...
The Powerful Income Stream That Millennials Ignore
Переглядів 1,5 тис.5 місяців тому
Millennials and young investors often forget about a stream of income that will allow them to save tens of thousands of dollars less than they think for retirement. The best part is...it requires NO extra work to earn it. It's Social Security, and here's why it's still in the picture for every millennial investor. Sign up for my newsletter & get more of my thoughts on finance, investing and wha...
The 6 Best Index Funds for 2024 (and Beyond)
Переглядів 30 тис.6 місяців тому
Here's my list of the top 6 index funds to buy in 2024 and hold forever! The Book Mentioned in this video: 'Same As Ever' by Morgan Housel - amzn.to/48jtOy2 Sign up for my newsletter & get more of my thoughts on finance, investing and whatever else is on my mind...algorithm free! jayfairbrother.beehiiv.com/subscribe INVEST WHERE I INVEST: 💰 M1 Finance: jayfairbrother.me/m1-finance MY FAVORITE C...
The END of SCHD? - Why SCHD Is Crashing in 2023
Переглядів 23 тис.11 місяців тому
SCHD is having its worst year ever. Is this a short term problem or a sign that SCHD's good days may be gone for good? Sign up for my newsletter & get more of my thoughts on finance, investing and whatever else is on my mind...algorithm free! jayfairbrother.beehiiv.com/subscribe INVEST WHERE I INVEST: 💰 M1 Finance: jayfairbrother.me/m1-finance MY FAVORITE CREDIT CARDS: Chase Sapphire Preferred ...
I Found 5 Powerful Dividend ETFs (No Investor Should Ignore)
Переглядів 17 тис.Рік тому
SCHD is the most popular dividend ETF, but is it the best?! Here are 5 dividend ETFs currently providing better returns than SCHD that you might consider adding to your dividend or passive income investments. Sign up for my newsletter & get more of my thoughts on finance, investing and whatever else is on my mind...algorithm free! jayfairbrother.beehiiv.com/subscribe 💰 INVEST WHERE I INVEST - M...
Start Of The Next Housing Market Crash? - New Mortgage Rules Explained
Переглядів 868Рік тому
New mortgage rules are about to go into effect. They'll have a big impact on some home buyers. Will they crash the housing market, or is it much to do about nothing? Be the first to sign up for my soon to launch newsletter! jayfairbrother.beehiiv.com/subscribe 💰 INVEST WHERE I INVEST - M1 FINANCE💰 : jayfairbrother.me/m1-finance Manage Your Budget and Investments with Empower: jayfairbrother.me/...
Mark Zuckerberg OWES YOU MONEY - Here's How To Get It.
Переглядів 1,7 тис.Рік тому
Facebook (Meta) has to pay users $725 million as part of a class action lawsuit. Here's why and how to get your cut of the money. Be the first to sign up for my soon to launch newsletter! jayfairbrother.beehiiv.com/subscribe Facebook Class Action Lawsuit Website: facebookuserprivacysettlement.com/ Add me on Instagram: @jayfairbrother 💰 INVEST WHERE I INVEST - M1 FINANCE💰 : jayfairbrother.me/m1-...
BIG I-Bonds Interest Rate Drop - Time To Sell?
Переглядів 6 тис.Рік тому
The next I-Bonds interest rate adjustment will see a big drop in the interest rate. Are I-bonds still good to buy, or is it time to sell? Be the first to sign up for my soon to launch newsletter! jayfairbrother.beehiiv.com/subscribe 💰 INVEST WHERE I INVEST - M1 FINANCE💰 : click.linksynergy.com/fs-bin/click?id=TfcZZJ/eQt0&offerid=1329384.9&type=3&subid=0 Manage Your Budget and Investments with P...
BIG CHANGES to SCHD - Buy Now Or Stay Away?
Переглядів 7 тис.Рік тому
The SCHD Dividend ETF has undergone some major changes. Let's look at what changed and whether or not SCHD has gotten better or worse because of them. Be the first to sign up for my soon to launch newsletter! jayfairbrother.beehiiv.com/subscribe 💰 INVEST WHERE I INVEST - M1 FINANCE💰 : jayfairbrother.me/m1-finance Manage Your Budget and Investments with Empower: jayfairbrother.me/empower HELP SU...
How To Automatically Re-invest Tbills (and how it works)
Переглядів 10 тис.Рік тому
Tbills can be automatically rolled into a new Tbill at maturity. But how does that work when they're sold for different prices? Here's what you need to know. Add me on Instagram: @jayfairbrother 💰 INVEST WHERE I INVEST - M1 FINANCE💰 : jayfairbrother.me/m1-finance Manage Your Budget and Investments with Personal Capital: jayfairbrother.me/empower HELP SUPPORT THE CHANNEL AND GET PERKS: UA-cam Me...
What Happens If My Stock Broker Goes Bankrupt? - Is My Money Safe?
Переглядів 3,4 тис.Рік тому
What Happens If My Stock Broker Goes Bankrupt? - Is My Money Safe?
Roth IRA vs 401k - How To Retire With MORE
Переглядів 1,7 тис.Рік тому
Roth IRA vs 401k - How To Retire With MORE
Major Bank Bailout Announced - What You Need To Know!
Переглядів 563Рік тому
Major Bank Bailout Announced - What You Need To Know!
How Silicon Valley Bank Failed - Is Your Bank Next??
Переглядів 1,1 тис.Рік тому
How Silicon Valley Bank Failed - Is Your Bank Next??
Optimal Order For Investing Your Money - Which Account First?
Переглядів 2,6 тис.Рік тому
Optimal Order For Investing Your Money - Which Account First?
The SIMPLE Math to Financial Independence - The 4% Rule and Beyond
Переглядів 2 тис.Рік тому
The SIMPLE Math to Financial Independence - The 4% Rule and Beyond
Will I Regret Buying So Many T-Bills?
Переглядів 59 тис.Рік тому
Will I Regret Buying So Many T-Bills?
How To Get Rich and CRUSH The Market With Index Funds
Переглядів 4,2 тис.Рік тому
How To Get Rich and CRUSH The Market With Index Funds
I-Bonds Strategy 2023 - Interest Rate Going To ZERO?!
Переглядів 4 тис.Рік тому
I-Bonds Strategy 2023 - Interest Rate Going To ZERO?!
How To Find Your Treasury Direct 1099 (I-Bonds/T-Bills Taxes)
Переглядів 7 тис.Рік тому
How To Find Your Treasury Direct 1099 (I-Bonds/T-Bills Taxes)
Why You Should NEVER Buy Stocks
Переглядів 1,5 тис.Рік тому
Why You Should NEVER Buy Stocks
Every Investor Needs To Own These ETFs
Переглядів 3,6 тис.Рік тому
Every Investor Needs To Own These ETFs
T-Bills & I-Bonds Will They Be WORTHLESS? - US Debt Ceiling Default
Переглядів 7 тис.Рік тому
T-Bills & I-Bonds Will They Be WORTHLESS? - US Debt Ceiling Default
The END Of Income Tax? - HUGE Tax Changes Explained!
Переглядів 3,1 тис.Рік тому
The END Of Income Tax? - HUGE Tax Changes Explained!
Should You Still Be Using M1 Finance In 2023? - M1 Finance Review
Переглядів 30 тис.Рік тому
Should You Still Be Using M1 Finance In 2023? - M1 Finance Review
Why Your Bond Funds Are Losing Money
Переглядів 5 тис.Рік тому
Why Your Bond Funds Are Losing Money
Interest Rates Rise AGAIN - How High Will They Go?
Переглядів 389Рік тому
Interest Rates Rise AGAIN - How High Will They Go?

КОМЕНТАРІ

  • @arianagomez1875
    @arianagomez1875 5 годин тому

    Is all a scam . Your money goes to somebody who pays less ( a big company or a bank) and now sells it to you for a profit the same day. Or somebody who pays less before you decide this company is worth more 😂😂

  • @mauricecola9443
    @mauricecola9443 2 дні тому

    I'm new to the concept entirely. What would be the benefit at this current rate to invest longer than in 4 week bills? Isn't that 5% a month ?

  • @412foto
    @412foto 2 дні тому

    trying to figure out a broker to use for investing. so which do you recommend for newbies and those not needing advanced features but want control (unlike acorns) and fractionals of course

  • @bobgoosmann608
    @bobgoosmann608 3 дні тому

    I bought into their 10x picks. Absolutely blown away by those. Some are down 90%. Im down about 65% with the entire portfolio. Still holding.

  • @truthalways8071
    @truthalways8071 3 дні тому

    Also you mentioned this Finn vest do you end up making more money if you go to treasury direct and if invest charges how much percentage do you lose by going to finvest thank you in advance for your response

    • @JayFairbrother
      @JayFairbrother 3 дні тому

      they charge .03% per month. So 30 cents on every $1000

  • @truthalways8071
    @truthalways8071 3 дні тому

    Interesting video good information I think it would be amazing if you also broke down a savings you make as far as percentage if there were like a little chart you made showing if your income is so and so how much percentage you're saving on state taxes also do you have to pay city taxes or is it also exempt from city taxes thank you in advance for your response

  • @TheOleOtter
    @TheOleOtter 3 дні тому

    So i didn't understand completely, if i give them 200$ i buy it for 195, and they give me 200 at the end? But they still take the 200?

    • @JayFairbrother
      @JayFairbrother 3 дні тому

      No, you they only take the $195, and you get $200 at the end. So the amount you enter to buy is the amount you'll receive at the end, what you'll actually pay when you buy them will be less.

  • @whiteru55ian33
    @whiteru55ian33 3 дні тому

    Why can’t I look at my stocks values 5years ago it only goes back 1 year now.

  • @bdtn342
    @bdtn342 7 днів тому

    The US is 32 trillion in debt, taxes are definitely going up. Invest in the roth

  • @Nikola83ify
    @Nikola83ify 7 днів тому

    I have been keaping my money in t-bills and selling puts at the same time on the prices I would really like to own stocks. That way I am using my money twice and it works fine to me. You should not be compering t bills with stocks because those are apples and oranges. Compare them with the difference between at the money calls and puts on the best stocks you can find.

  • @chefhomeslice2663
    @chefhomeslice2663 9 днів тому

    Doesn’t work anymore Can’t buy or sell anything

  • @pppco8488
    @pppco8488 9 днів тому

    👍

  • @pppco8488
    @pppco8488 9 днів тому

    What if JPM itself fails, what happens to my VTI that I bought through fidelity account?

  • @faustothegreat6139
    @faustothegreat6139 10 днів тому

    Rich with knowledge now, thank you sir

  • @nyameyen.4060
    @nyameyen.4060 10 днів тому

    Thank you. Should I buy T bills with zero coupon or a coupon rate?

  • @brittseverence7221
    @brittseverence7221 11 днів тому

    T bills, cds, and municipal bonds work for me. Safe, predictable, and the bonds are tax free...which is like a higher rate on a taxable investment. I may get back into dividend stocks once this over priced market fully corrects.

  • @Sharkuterie327
    @Sharkuterie327 11 днів тому

    This was a nice reality check. Thanks. Glad I found your channel.

  • @Sharkuterie327
    @Sharkuterie327 11 днів тому

    Timestamps (as best I could): Index/ETF Foundational 1:45 VTSAX/VTI 3:21 VGTSX/VXUS 6:05 VBTLX/BND Higher Exposure/Growth/Cherries on top 7:55 QQQ 8:52 SCHD 9:40 AVUVX/AVUV This video made me crave Snickers, chocolate milk and peanut butter. Thank you for the advice!

  • @AnthonyLaudano-yj4cd
    @AnthonyLaudano-yj4cd 12 днів тому

    Why when building ladder , you reinvest ist into a longer maturity as in this example 5 yrs. Why not reinvest into 2 ye or 1 yr??

    • @JayFairbrother
      @JayFairbrother 11 днів тому

      You could do that if it works for what you want to do, this example is just how I chose to build mine!

  • @gonzchi
    @gonzchi 15 днів тому

    Thanks. Makes sense. But the question is .. why not build a ladder using only 4-week T-bills? I understand that new T-bills are issues every week, right? So let's say I buy $ 1000 now of a 4-week T-bill, then next week I buy another $1000 in a new auction, then a 3rd week and then the 4th week. I select auto-re invest for all of them and forget. Wouldn't I have money available every week ? (cancelling the reinvestment option if I need the money). I would have Tbills coming to maturity and being reinvested every single week. Why is this not better than buying different term Tbills like you suggest?

  • @drrahulkhn
    @drrahulkhn 17 днів тому

    Can both parents buy I bonds for kids as minor ? We have 2 kids, Can i buy1 for myself, my daughter and my son and my wife can do the same so altogether we will have 6 for our family ?

  • @jevinrainey7206
    @jevinrainey7206 18 днів тому

    What does he mean by a four week annualized 5%?

  • @fernandoacosta5512
    @fernandoacosta5512 18 днів тому

    I just subscribed to Motley Fool, but I m wondering if I should stick with it. Lol

    • @tykvoun3007
      @tykvoun3007 15 днів тому

      I think its a good service, you just have to be patient, diversify and hold for at least five years as they recommend, I´ve been using it for some time and I´m more than satisfied so if you have any questions feel free to ask

  • @Sergio-gm4gv
    @Sergio-gm4gv 22 дні тому

    Great video thank you

  • @user-uh6iz4tx5h
    @user-uh6iz4tx5h 23 дні тому

    Tbills can blow up should the interest rate start dropping …, inverse relationship with the interest rate!!!

  • @William14094
    @William14094 23 дні тому

    As soon as he started making those dumb noises in the beginning, I couldn't take his financial advise seriously. Didn't watch the rest of it.

  • @BrendaAsonglefac
    @BrendaAsonglefac 23 дні тому

    So good but I need the examples of Treasury bill please

  • @itsme7285
    @itsme7285 24 дні тому

    Anyone have a video on using the actual webiste of TreasuryDirect?

  • @user-xg1kh2jx8p
    @user-xg1kh2jx8p 26 днів тому

    Are T bills only available in the US?

    • @JayFairbrother
      @JayFairbrother 26 днів тому

      No, you can buy them worldwide. The treasurydirect website is all that's limited to the US.

  • @ericabolding5753
    @ericabolding5753 27 днів тому

    @JayFairbrother can you explain how selling T bills before they have matured and while interest rates have increased will cause someone to lose money on that sell? Your video is fantastic, that is the only concept I’m not totally grasping. Thank you!!

    • @JayFairbrother
      @JayFairbrother 26 днів тому

      If you're selling early & rates have since increased someone will be willing to pay less for your old t-bill than a new one that gives them a higher interest rate.

  • @jackcarraway4707
    @jackcarraway4707 27 днів тому

    For everyone saying Read didn't get to "enjoy" his wealth, his contentment with living a quiet, simple life is the key. This is a man that experienced the Great Depression and that's where he learned to be extremely cautious with his money and live below his means. Having $8m in your back pocket means you have a bullet proof emergency fund too and that kind of peace of mind is priceless.

  • @depthbrewedrollers.8793
    @depthbrewedrollers.8793 27 днів тому

    Excellent video. I Been using M1 for two years and was pleased with it until they rolled out w/ their three dollar monthly fee. Hopefully M1 see this video get reconsidered before I find another platform to move to.

  • @MichaelJosephJr934
    @MichaelJosephJr934 28 днів тому

    I'm in an industry where I have a birds eye view of future economics. I've been saying since the last rate increase that they won't be lowering them till 2025. Inflation is still jacked up. I wouldn't be surprised if we only see one rate decrease in 2025.

  • @jamalsmith5073
    @jamalsmith5073 29 днів тому

    Do you have a worst top 50 etf list?

  • @jime875
    @jime875 29 днів тому

    montley fool sucks. i bought the stocks they recommend and all crashed and burned and never recovered to this day.

  • @MsCardio1
    @MsCardio1 29 днів тому

    The idiocy of this group just never ceases to amaze. me. Spending hours trying to figure out the "message" in tweets and short videos. This is why you dumbasses lost your $$$ in the first place. You get your financial advice from X or Tic Tock. B TW.....shares are still worthless and GME has fallen after hours to $27.49.....any of you "diamond hands" investors still holding shares you bought yesterday on the "pump" part of "pump and dump" ?

    • @MsCardio1
      @MsCardio1 29 днів тому

      For some reason my comment on the PP show got put on the Comments section for Jay's video. My apologies Jay and other viewers

  • @cali4tune
    @cali4tune Місяць тому

    IMO ladders work and make sense with a normal yield curve. Normal meaning longer terms pay higher rates. Right now that is not the case. IMO right now you just cycle through 1 month T-Bills until things change. Max rate and max liquidity. Why wouldn't you?

    • @gonzchi
      @gonzchi 15 днів тому

      My comment above exactly.

  • @joseph87328
    @joseph87328 Місяць тому

    thank you , simple explanation

  • @dmitryge
    @dmitryge Місяць тому

    This is a very low quality review. M1 still makes money from order flow, and not a word about margin.

  • @dixter1652
    @dixter1652 Місяць тому

    another option is to just open a brokerage account with Fidelity and tie in your bank account...now move all of your money into fidelity and divide the money by 4... with each 1/4 amount of money buy a 1 month bill... and repeat for each week of the month.... now when the bills mature, 1 each week, then you will get paid every Friday of the week just like you are working...and the funds are available to transfer the gains back to the bank as you need to pay bills and such.... now every single dollar you have is working for you.... and if you buy just a few more bonds each month you will be giving yourself a raise each month.... it works very well that way...

  • @Cooldownman197
    @Cooldownman197 Місяць тому

    You really don't know about crypto bruh.

  • @katep8619
    @katep8619 Місяць тому

    Thanks for the great video!! Newbie here opening ROTH IRA account this year 2024 for my kids (21 and 19). Any updates to the list of dividend stocks in this video?

  • @William_Taylor_29
    @William_Taylor_29 Місяць тому

    I cant stand people that say lets be real, or lets be serious.

  • @nicholastannous9197
    @nicholastannous9197 Місяць тому

    The music in the background, really???

  • @JustAddingMy2Cents
    @JustAddingMy2Cents Місяць тому

    Very informative. If anyone is able to answer this dumb question - Why do Tbills have a higher interest rate than Bonds when they are held for a shorter period of time? It's a bit counterintuitive to me. Thank you in advance!

  • @BW-kv9wj
    @BW-kv9wj Місяць тому

    I’m still very happy with M1. I’m think about rolling over my IRA to M1 in excess of $1.4M.

    • @JayFairbrother
      @JayFairbrother Місяць тому

      They run account transfer bonuses pretty regularly. Wait for one of those if you’re looking to transfer in

  • @DanSaleem
    @DanSaleem Місяць тому

    OMG I was up to open an account now and saw this video. What a bummer

    • @depthbrewedrollers.8793
      @depthbrewedrollers.8793 27 днів тому

      Huge bummer. I been with M1 for 2 years and was so happy with it that recommended the app to everyone I know. Hopefully M1 sees this video and reconsiders before I find another platform.

  • @Patrick-fq9or
    @Patrick-fq9or Місяць тому

    Promo sm

  • @s10jam
    @s10jam Місяць тому

    This is explained very clearly.