> Where do you want this free return to come from? I dunno, the Treasury gives me the 5.5% which is the same as a private bank giving me 6.25% and getting robb

> Where do you want this free return to come from? I dunno, the Treasury gives me the 5.5% which is the same as a private bank giving me 6.25% and getting robbed by the state of California which leaves me with 5.5%. Banks want my money? They need to beat that bar. I dunno, lend it out to someone at 10% to buy a car and then give me 6.25%. Be creative. But I'm not taking Chase Bank's laughable 0.01% or even WealthFront's stupid 4.8%. It's not 6.25%, they didn't beat the bar, plain and simple. If you're only giving me 1% you might as well give me 0% and I forbid you to lend out my money.