Carry Learning Center

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 [...]

Inflation may not be making headlines like it did in 2022 when it peaked at 9.1 percent, but it hasn’t disappeared and it’s still eroding purchasing power quietly.  As of April 2025, inflation is hovering around 2.3 percent—a level that can still eat into your savings if your money is sitting in low-yield accounts. Every dollar [...]

Today, every percentage point counts when choosing a yield strategy.  If you’re chasing income, tax treatment could significantly reduce your returns before you see a dime. Your location plays a big role too. Whether you live in a high-tax state like California or a no-income-tax state like Florida, your combined federal and state rates directly affect [...]

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 [...]

Saving money has always been important—but in 2025, it’s even more critical.  The national savings rate is currently around 0.42 percent, which likely isn’t enough to keep up with inflation. If your savings are stuck at earning average rates, your money could actually lose value over time. The good news? Beating the national savings rate doesn’t mean [...]

Having extra cash sitting in your bank account might feel reassuring, but it could be doing more.  Many people leave money untouched because they’re unsure of the next step or don’t want to take on extra risk. The good news is, there are simple ways to put that money to better use without losing access when [...]

In 2025, cash is making a quiet return, with some markets offering yields close to 5 percent. Many wealthy individuals keep 10 to 30 percent of their portfolios in cash or cash equivalents. And it’s not just about playing it safe. Holding cash gives them the flexibility to move quickly when new opportunities come up. In [...]

Ever wonder how your savings compare to others your age or income level? You’re not alone. Many people are curious if they’re setting aside enough or falling behind. The truth is, how much Americans save each year depends on a mix of factors like age, earnings, and even where they live.  In this article, you’ll get [...]