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@therosary9 Those are good, valid points. Especially being on a boat, great time to save some $. I can see that as a starting point.

@therosary9 Is there an additional benefit of being active duty with the Easystart? Everything I see for NFCU's CDs still says you "likely" pay a withdrawal penalty, which would probably negate the bit of interest you earn in excess of what HYSAs are paying.

@samuel53 People like Warren Buffett that put so much effort in selecting individual stocks and sectors for a portfolio cannot routinely beat the market. If you are going with Fidelity, I would select their standard S&P500 or total market index funds, or a Freedom Index target date fund (Like...