Carry Learning Center

Looking for new ways to grow your Solo 401k beyond the stock market? Promissory notes may offer a potential source of fixed income while keeping your retirement plan tax-advantaged. With the right setup, your Solo 401k can invest in private lending deals backed by written agreements and interest payments.  This guide explains how investing in promissory notes [...]

Many people leave their cash in checking accounts without a second thought. Yet, with inflation near 3 percent, that money may lose purchasing power.  Today’s high-yield savings accounts offer annual percentage yields (APYs) close to 5 percent. This could potentially earn hundreds more each year compared to a typical checking account. Treasury bills (T-bills) may deliver [...]

If you have extra cash sitting in a savings account, municipal bonds could be a better option. These bonds are issued by state and local governments. In many cases, the interest they pay is exempt from federal taxes. Some may also be free from state or local taxes, depending on where you live. That means you [...]

Holding extra cash might seem like a smart way to stay prepared, but over time, it can quietly chip away at your financial progress. As inflation rises and savings rates shift, large cash balances may lose value faster than you realize. In most cases, the comfort of holding too much cash comes at a cost [...]

Imagine owning a parcel of land today and watching its value grow over time. Investing in raw land through your Solo 401k allows you to capture that growth while enjoying tax-deferred benefits along the way. This quick guide covers the rules, risks, and steps to buy land using retirement funds. You’ll also get a simple checklist [...]

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Alternative investments (also referred to as alternative assets) are any asset classes that aren’t stocks, bonds, or cash. Download Free Guide > [...]

An “accredited investor” is a designation created in 1933, through the Securities Act of 1933, and is essentially a way to classify high income or high net worth individuals. It’s intended to indicate that an individual or organization has sufficient financial knowledge and resources to understand and assume the risks associated with investing in unregistered [...]

Overview When you sell equities in your cash account, the trade takes place immediately and you can use the funds to enter new positions, but it takes 2 business days for the funds from the sale to settle. A good faith violation occurs if you use unsettled funds to purchase equities in your account, and then [...]