David Zachrich, CFP

10/16/2026

Treasury yields pulled back from their recent highs after a strong auction eased some concerns about demand for government debt.

The 10-year Treasury yield climbed as high as 5.35%, its highest level since 2002, before easing following the Treasury's sale of $39 billion in 10-year notes.

Demand at the auction was stronger than average, particularly from indirect bidders such as global central banks, which accounted for 80.3% of the sale, compared with a 10-auction average of 72.4%.

The broader backdrop is still one of elevated yields, with investors weighing persistent inflation, rising energy prices, and expectations that the Federal Reserve may raise rates again before year-end.

For now, the auction offered a little reassurance that demand for longer-term Treasurys remains strong even as yields sit near multidecade highs.



Source:

U.S. Treasury yields came off their highs after a solid sale of 10-year notes.

10/14/2026

FDIC insurance was designed to protect your deposited funds, but do you know how?

FDIC insurance was designed to protect your deposited funds, but do you know how? This article answers that question.

10/12/2026

In 2024, the average work bonus was roughly 2.8 percent of the worker’s annual salary, across all industries. What would you do with yours?

This article examines one's options when receiving a work bonus or other financial windfalls.

10/07/2026

Check out this video on taxes.

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.

10/05/2026

Use your car for business? Make sure you're on the same page as your insurance carrier.

At what point can you call a personal vehicle commercial?

09/30/2026

Looking for a quick read? Explore the role Money Market Funds may play in your portfolio thanks to this concise article.

09/28/2026

Marriage changes your financial life. This piece includes keys to preparing to grow wealthy together.

Keys to preparing to grow wealthy together.

09/28/2026

Anyone else raised to think money = stress?

Nobody taught us how to budget. They taught us to fear running out. Here's the truth: budgeting isn't about restriction.�It's about rewriting that story.

Try the 50/30/20 rule:�
50% needs�
30% wants�
20% savings & debt payoff

Simple math. Big impact.

09/26/2026

Following up on yesterday's post — let's break down Traditional vs. Roth.

🔵 Traditional: Pay taxes later (when you withdraw in retirement)
🟢 Roth: Pay taxes now (withdrawals in retirement are tax-free)

Neither is 'better' — it depends on your tax situation now vs. what you expect in retirement. But it's worth knowing which one you have!

Direct contributions to a Roth IRA may be withdrawn tax free at any time. Rollover contributions made before age 59½ and held in a Roth IRA may be withdrawn tax and penalty free after a five-year holding period. Earnings may be withdrawn tax and penalty free after the five-year holding period if the condition of age 59½ (or other qualifying condition) is also satisfied.

09/25/2026

No 401(k) at your job? You've still got options:

✅ Traditional or Roth IRA — You can open one on your own, no employer needed
✅ SEP IRA — Is also an option if you're self-employed or a freelancer
✅ Taxable brokerage account — flexible, though without the same tax perks

Retirement savings isn't just a '401(k) or nothing' situation.