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Joined 1 year ago
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Cake day: June 14th, 2023

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  • While interest rates stay high, so will returns on money market fund investments. A simple investment account (likely available from your current bank) with everything put into a good MMF should bring 4+% right now, and is less likely to have withdrawal frequency limits and definitely won’t have a term length like CDs.

    At Chase, they’ve got a solid MMF option that’s been over 4% for a few months and has same day liquidity, meaning it’s basically cash even though it’s getting interest. I think it’s the lowest risk, highest convenience option currently.


  • A classic pour over cone really just has to be rinsed hot after using if you’re using it every day, soap and sponge if an oily coffee leaves a residue over time. A metal or plastic v60 has no risk of breaking while rinsing too

    It drains quickly if you grind typically, so you do have to stand over it for 2-3 minutes while you pour, though you have some breaks in there, so it’s easy to make toast or something at the same time.

    Some flavors typical of drip will be weaker, like heavier and smoky or chicolatey notes, while others will be much stronger and richer, like caramel, fruit, tea, and what people call juiciness. The biggest draw, though, is the ability to customize every single part of the process, so you can find ways to recreate what you like from drip (be it by grinding finer, using less or hotter water, pouring quickly/slowly, etc.) and bring out notes that might get muted by a drip machine. That said, the added lighter notes with pour over definitely make most sense for black coffee or with just a dash of sugar, so if you like milk/creamer, drip might make more sense to stick with (no judgment, that’s why I have multiple options myself :)



  • A big part of that decision is honestly that we live in a very old house, and a few times we have needed to buy new appliances or pay $10k+ in a ≤24hr. emergency, so we try to keep roughly that amount as liquid as possible. Since that’s earning zero and the MMF is nearly as liquid as savings, we just keep all the rest in the higher-interest options, and none at all in a traditional savings account. It’s just been the most convenient and highest yield, lowest risk, most easily liquidated option, with the ease of liquidity cutting minimally into returns while MMF rates are so high.