Where Seniors MUST Keep Their Cash — And Where They Should NEVER Keep It This October

📌 Get "The Exit Code" Report : https://lazy.better-investor.co/hello... The average American savings account paid 0.37% in September (FDIC national rate). Prices rose 3.7% over the past year (BLS). On $100,000, that's $370 of interest against about $3,700 of lost buying power, while the same money in an insured high-yield account earns about $4,200, with the same federal protection. In this video, I set up the cash side of a retirement from scratch: every dollar gets a job and a date, and the date picks the container. What we cover: Three drawers for your cash: this month, the shock absorber (two years of the gap between spending and Social Security), and dated money Insured high-yield savings vs the big-bank default, and how FDIC coverage really works ($250,000 per depositor, per bank, per ownership category; trust accounts up to $1.25M per owner since April 2024) Money market account vs money market fund, and why apps that aren't banks are a different risk Treasury bills (4.02% to 4.44% on October 16), state-tax exemption, CDs and simple ladders I bonds: why half of the November 1 rate is already known (4.08% inflation part), the October vs November decision, limits and TIPS The tax side: interest as ordinary income, Medicare IRMAA ($218,000 line for couples in 2026), and the Social Security tax formula Where cash should never sit, including annuities sold as a "safe place to park cash" The Exit Code, my research-based book built from decades of U.S. retirement data, is linked here: [link] Chapters 0:00 0.37% vs 3.7%: the silent loss 4:58 Every dollar needs a job: three drawers 9:28 The right insured container, FDIC limits, money market traps 14:06 Dated money: Treasury bills, CDs and ladders 18:38 Long money: I bonds, the November 1 date, TIPS 23:08 The tax bill on your cash, IRMAA and the second Exit Code mention 27:51 Where it must sit, where it never should Sources (checked October 18, 2026): FDIC National Rates (September 21, 2026); BLS CPI release for September 2026 (October 14, 2026); Federal Reserve FOMC statement (September 16, 2026); U.S. Treasury daily bill rates (October 16, 2026); TreasuryDirect I bond rates (May 2026); FDIC trust account rule (April 1, 2024); IRS 2026 tax brackets; CMS 2026 Medicare Part B and IRMAA; SEC (Reserve Primary Fund, 2008); CFPB (Synapse, 2025); NOLHGA (annuity guaranty coverage). This video is for education only and is not personal financial, tax or legal advice. Rates change; check the current rate and your own situation before moving money. 📌 Please note: I'm NOT a financial advisor. These videos represent my personal point of view. It's for entertainment purposes only and do not constitute financial advice. This content is for informational and educational purposes only. Nothing presented here constitutes investment, legal, or tax advice. Always do your own research or consult a licensed professional before making financial decisions.