Thanks to Ox and divits for starting this thread.... I have a few questions on some financial topics I'd like to discuss w/ some of you, but I first wanted to talk about alternative investments. When I say "alternative" I'm talking about non FDIC type products, such as crowd funding. About two years ago I opened an account w/ Realtymogul.com - they are a REIT that invests in commercial realty (cliff's notes version). The REIT I'm in returns 8% interest, w/ dividends paid monthly. They do charge a fee, so it's closer to 6% than 8% (total value of the account). The money is locked up for several years, which is the biggest downside . I also put money into a few other crowdfunding sites. One site that I've been dumping money into lately is called Streetshares.com They are a veteran owned company that lends money (primarily) to veteran owned businesses. In late 2018 they partnered with USAA (as USAA does not do small business loans). On the investment side, it returns 5% interest. You can deposit as little as $25 (up to $500K). In February, they did a 2% President's Day bonus on each $2500 invested. You are allowed to take money out without penalty for 2 weeks during the year on your anniversary date of opening your account - otherwise if you take money out there's a 1% penalty. The interest accrues daily. Again, this is not FDIC insured so there is a risk. So far, I'm very happy with this account. I also opened a fundrise.com account. Another real estate investment company, returns around 8%-12%. I just got into this after doing a ton of research. When the realtymogul account matures I will probably transfer the entire value into fundrise.