u/BabyDontHerdMe_NoMo

If I get arrested y'all will know.

Don't say anything, thank me later

Anybody in EL hear that loud humming noise.

I live near the Amtrak and freeway and can rule these out, it's persistent and annoying!

This week, I put 40k in T-Bills (VBIL).

I am always trying to optimize my ROI in all categories no matter how small. At the moment, I have 2 individual Investment accounts (one defensive and one high growth), a Roth, and some decent exposure to crypto.

I keep $9,700 as my emergency fund with Wealthfront.

Currently, however, it only yields 3.30 APY. This isn't horrible but I honestly feel like if my goal is to never touch this money why not put in VBIL and avoid state and local taxes?

I did also browse through a couple of existing posts on Reddit and I saw that most people are split on keeping an emergency fund in a cash account vs T-Bills (many people don't have confidence in the government).

How would you all approach your emergency fund? Does anyone here use T-Bills like SGOV and VBIL to fund their emergency fund?

This week, I put 40k in T-Bills (VBIL).

I am always trying to optimize my ROI in all categories no matter how small. At the moment, I have 2 individual Investment accounts (one defensive and one high growth), a Roth, and some decent exposure to crypto.

I keep $9,700 as my emergency fund with Wealthfront.

Currently, however, it only yields 3.30 APY. This isn't horrible but I honestly feel like if my goal is to never touch this money why not put in VBIL and avoid state and local taxes?

I did also browse through a couple of existing posts on Reddit and I saw that most people are split on keeping an emergency fund in a cash account vs T-Bills (many people don't have confidence in the government).

How would you all approach your emergency fund? Does anyone here use T-Bills like SGOV and VBIL to fund their emergency fund?

Yeah AMD will continue expanding but I think NVDA reminded the world why they are the industry standard.

SpaceX propped up NVDA today after announcing they would build exclusively on NVIDIA Vera Rubin.

On the same day, NVDA announced Alpamayo 2 Super for autonomous driving.

Kinda feel like Huang has a chip on his shoulder and playing 4-D chess. And honestly, I'm glad it's flying under the radar.

I signed up for SOFI back in August 2025.

Truly, it has been one of the worst banking experiences so far.

I am a grad student on a PhD salary and one of the reasons why I signed up was because they offered 4.0 APY boost and $300 cash bonus for setting up direct deposit ($5k within a time period)

I had to double check so I talked to multiple SOFI representatives that if I were to get desposited $10,000 into my Checking account by my uni that I'd qualify for both bonuses. They did!

I get it. I read the fine print that it must be qualifying deposit. But they reassured me they could convert the banking code it into DD so that I could recieve both bonuses. I didn't

Now, I have recieved over $30,000k from my university over the past year and I have not recieved any of the bonuses. I have accepted that now but always move my money out to Robinhood.

I chose SOFI because of these perks but their deceptive tactics and poor banking support has really soured my experience.

I also have had issues with their debit cards not working, them not honoring investment app bonuses (3x stock claw machine) and them cheating me out on rewards bonuses (giving me 2 points instead of 10 for credit report monitoring). And these bonuses I only recoved because I was hyper vigilant and proactive.