I Bonds, Emergency Funds, & Disability Savings | Episode 16: FPOG Podcast

In this episode, we’re trying something new and doing a lightning pod where we cover several different topics in bite-sized chunks. In this episode, we talk about what we think about I bonds, how much should be in an emergency fund, and why disability insurance is so underrated and important.

Show Notes

At the 11:45 mark, we reference I Bonds going negative. This is in reference to the inflation rate component of the I Bonds total calculated interest rate. While this piece of the rate calculation can go negative, the cumulative interest cannot go below 0%.

Historical I Bond Rates

Social Security Administration: Probability of Death and Disability