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Okay, today we are going to be answering some emails.

We need to do email shows to help the shy people.

This question comes from

substack. Susan writes, my question is, I sold my home and started retirement at age 63. My husband is

67. He's still working and we are both collecting social security. We put our proceeds from the sale of our house in a high-yield savings account,

but now the rate has dropped to 3.5%.

We don't want to risk losing any of the money by putting it in the market,

and we would love to put it in a place that will earn us monthly or yearly income

that we can spend without

jeopardizing the, they say initial money. I think they mean that that big chunk of money,

the corpus of the money in the account. What are your thoughts? Susan, I'm so sorry to say.

It's very hard. I mean, three and a half percent is not bad. I mean,

at least it's ahead of the inflation rate. But I don't know enough about you. It sounds to me like

with everything going on that this account, the proceeds of your house in the high-yield savings

...