How to BEAT INFLATION With US Treasury I Bonds – The Credit Shifu

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37 comments

Kurtis Bishop April 15, 2022 - 4:55 pm

First!!!

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HEADSHOT-_EXPERT April 15, 2022 - 4:58 pm

Joe Biden “I did that”

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Sam A April 15, 2022 - 5:03 pm

I always thought I-bonds were stupid, but then again, I never lived through these types of inflationary times. Happy to say I understand now.

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Juan Mondragon April 15, 2022 - 5:04 pm

You should throw out a video of your thoughts on the housing market. I'll click on it and I'll watch it. There's communities in my area where they start building when they prequalify you. Once it's finished then at that point they will run your credit score again and see what rate you qualify for and people are not able to afford a higher interest rate so there's homes available to move in, further adding to the supply of homes.

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Gavin Brandon April 15, 2022 - 5:38 pm

My life has totally changed since I started an investment of $6,000 and now earning over $57,000.

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Andrew Corum April 15, 2022 - 5:39 pm

We should start a credit hotline number. Need creative solutions for your next big purchase? Want an all expense paid vacation? Call now!

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canola enjoyer April 15, 2022 - 5:46 pm

Just a clarification that I bonds will not ‘beat’ inflation but merely attempt to match it. The real rate of return should be 0%

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Re3iRtH April 15, 2022 - 6:08 pm

Limit is 10K. So if you're not doing too well now, or simply want to preserve your purchasing power, you invest your 10K in these I-bonds, and in one year your just $1K richer. You still fell behind inflation and are poorer than when you started, from a purchasing power standpoint. These would be useful if you could invest 100K or 1M.

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Christopher Vazquez April 15, 2022 - 6:10 pm

I had I-Bonds taken out each paycheck during my time in the military. After my enlistment term. I had to cash out to help pay for moving back home. Military pay sucked major balls, my reason for EAS'ing. My first month working after the Marine Corps I made 3X's more after taxes than my last raise after 5 years in the Corps. SMH. I-Bonds helped me get back home.

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George Senda April 15, 2022 - 7:03 pm

I just tried to login to Treasury Direct on my Silicon M1 Mac Mini AND my Ipad Pro and it keeps giving me site unavailable errors or error messages.
I tried it in Chrome, Safari, Firefox and Google and NOTHING works.
I think your video crashed the site with everyone trying to sign up at once.

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slot car guy nerd April 15, 2022 - 7:17 pm

I always put 2k in my ibond every year. It's worked out the past few years

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Stock Market Investing April 15, 2022 - 7:25 pm

The government will never lend you money at lower then the inflation rate. You lose money with these bonds. Buy stocks not United States treasuries…

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Nate Bartlett April 15, 2022 - 7:48 pm

I've been meaning to buy I bonds so thank you for literally walking us through how to actually buy them! So easy now. Thanks Ben!

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James Smith April 15, 2022 - 8:10 pm

“Some dude on the internet” giving financial advice and not even addressing downside risks. Unreal that this can be allowed.

Why don’t you explain how you “cash out” these bonds at a giant loss if inflation subsides? Perhaps the largest omission, but one of many.

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TenFooWin April 15, 2022 - 8:26 pm

Y’all are some tools in the comments. Yes the rate can go down, but the interest you got the first year still stays. If you have atleast 10K or more and have no intentions of using it within the next couple years while watching the markets. Park it in an I bond. There’s no fees and cash out is easy. No one is going to get rich of this, but it’s just a short term savings that’s protected by the U.S. treasury. So unless that goes belly up then you would lose money. But we would have bigger problems. Also even if it goes to zero next year, you still wouldn’t lose any money. Your principle is your principle. Stay broke folks.

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Michael Richardson April 15, 2022 - 8:33 pm

"Unfair stealth tax against the people" has got to be the dumbest description of inflation I've ever heard. Do better Ben!

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B Morris April 15, 2022 - 8:43 pm

Great Content! Going to buy next week. Thanks

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Jeremy Kramer April 15, 2022 - 9:34 pm

Great video! First time I've understood exactly how this worked. The "locking in" I'd read about sounded weird until you explained it

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Dot Com April 15, 2022 - 10:46 pm

Only 10k though a thousand bucks whoopty do. I feel like I can put that to better use

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Oroborus April 16, 2022 - 12:02 am

Bought an I-Bond last December. Will buy a second before the end of the month. No federal tax on the I-Bond too! In addition buy near the end of the month (but allow about 3-4 days to clear). You get the full month's credit even if you buy on, say, the 25th.

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Austin Peterjohn April 16, 2022 - 1:08 am

Stablecoin interest rates are just as high…for now at least

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Fernando Crespo April 16, 2022 - 2:36 am

Is the money tax free?

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Hanafi Monem April 16, 2022 - 3:59 am

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Sparky April 16, 2022 - 6:11 am

How much do you have to put down to get an I-bond?

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Amir Moradi April 16, 2022 - 12:01 pm

great advice. in crazy inflation times like these the series I bond is a powerful tool

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K Mque April 16, 2022 - 3:20 pm

Thx Ben! Great info idk that rates were that high!

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JP M April 16, 2022 - 4:16 pm

With a 20% inflation (which is the real numbers not 8.5%) the bonds doesn’t work! Buy gold, silver and crypto !!!!!

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SamsungLG April 16, 2022 - 7:12 pm

I'm anticipating the wage-price-spiral to recur with these I-bonds. Sorry to be the pooper on this episode but it's mathematically parallel to the minimum wage increase.
Piece

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clarissagnon April 16, 2022 - 8:04 pm

Mrs Charlotte's is legit and her method works like magic I keep on earning every single week with her new strategy

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Travious Andrews April 16, 2022 - 8:17 pm

9% is basically what inflation is officially lmao.

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Nic Anzalone April 16, 2022 - 9:28 pm

Appreciate the insight Ben!

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Ikaika Arnado April 17, 2022 - 2:36 am

Bonds are priced in for the next two years forecasting the rate schedule. The fed doesn't determine interest the bond market does. The fed only reacts to what the bond market sets. So unless you shorted bonds like a year ago you're behind the curve.

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Joshua Wander April 17, 2022 - 11:16 am

I don’t believe the US government is “risk free” and I don’t see inflation going down in the foreseeable future!

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Bobby Boy April 17, 2022 - 1:19 pm

You'd think LLCs would have a lower rate of bounds they could buy.

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Eric Sutter April 17, 2022 - 5:48 pm

Great video, Ben! My parents and grandmother understood the I Bond concept a long time ago, and my wife and I benefitted greatly. We were able to finance a great new house amid a relatively overheated market last year with help from I Bonds. Yes, I had to deal with the tax liability, but it was well worth it! If I can, I will very likely repeat the cycle for any kids my wife and I have in the future.

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Acidtrip6969 April 17, 2022 - 5:58 pm

IM SORRY BUT BONDS ARE A BAD INVESTMENT RIGHT NOW AND FUTURE ONES TOO

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Mike Minervini April 19, 2022 - 12:00 pm

Thanks for the video! Is it easy to cash out an electronic i bond once you're ready to? Is there any sort of liquidity issues selling it or is it just accepted back by the government??

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