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  1. M

    T bills at Vanguard: I purchased $5k and after 7 months got $5k back

    @aloverofrigtheousness Zero coupon bonds are bought at discount to par. In this case the par value is 100 and you bought at 99.9772. You bought it at a discount and it matures at the principle or par value. The difference between the par value and price paid is the “interest” received. This is...
  2. M

    Emergency savings: HOW MUCH???

    @ginnyweasley1222 Exactly. Dave Ramsey says have $1k just for the psychological benefit. $1k emergency fund and anything over that should be going to debt. $1k should make you uncomfortable and incentivize/push you to pay your debt off as fast as possible. It’s not meant to be enough
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