WHY BORROWING AGAINST A CD CAN SOMETIMES BE SMARTER THAN JUST USING THE CASH

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For 42 years as a financial advisor, I’ve watched people do something that makes perfect sense to them emotionally… but costs them money logically. They’ll say, “Jerry, I don’t want to touch my savings. I’ll just borrow the money.” Or the opposite: “Jerry, I don’t want a loan. I’ll just drain my savings.” But here’s …

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Title IX – Complications

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By: Jerry Nix | Freewavemaker, LLC Date Published: Tuesday, March 11, 2025 Introduction Title IX has been a widely discussed topic in mainstream media, yet many—including those in academia—struggle to fully grasp its scope and implications. As someone who never attended college, I initially had little understanding of what it truly entailed. After speaking with …

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Social Insecurity and the Cost-Of-Living ( Part 4)

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By Freewvemaker, LLC (Jerry Nix Author) February 05, 2025 Art Provided by Copilot AI 1 The Money Changers Why do I bring Money Changers into the final part of my Social Insecurity Article?  I think this has been one of the biggest problems that have led to many of the current issues in the Social …

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Social Insecurity and the Cost-of-Living Increases – Part 2

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Part 2:  More History and the Problems with Social Security I left off part one stating this: “Why doesn’t my money in my Social Security account draw any interest?”  The answer is really quite simple. I will go into the answer to this and more in Part 2 which I will post in two days …

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Social Insecurity and the Cost-of-Living Increases – Part 1

On By jerrynixIn Investment Articles, Political4 Comments

By:  Freewavemaker, LLC (Jerry Nix Author)     Date:  01/05/2019 Part 1:  My Story and a Little History of Social Security I retired in July 2018 from a career as a financial advisor, and thank God I did not plan to live 100% on Social Security.  I thought I understood what retired people on Social Security, alone, …

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