If you’ve spent years hearing “cash is trash,” this new higher-rate world can feel like whiplash. Should you lock in CDs, buy Treasury bills, or finally give bonds another look? Income Investing in a Higher-Rate World answers the question savers and retirees care about most: how to earn safe, reliable income without taking stock-market-sized risks. It’s for anyone who wants yield that helps, not headlines that stress you out.
You’ll learn how to tell the difference between a tempting yield and a good total return, and why inflation can quietly undo “safe” plans. You’ll see how money-market funds and T-bills can upgrade idle cash, how CDs really work (including the fine print), and how bond mechanics and duration explain those scary price swings. Then you’ll put it all together with practical ladders, reinvestment strategies, and a simple way to match money to upcoming spending.
What makes this book different is its plain-English, real-life approach: relatable examples, step-by-step decisions, and “do this next” guidance. You’ll finish with a workable system for building a calmer, more dependable paycheck from bonds, CDs, and cash that finally pays.
