Richardcyoung.com

  • Home
  • Debbie Young
  • Jimmy Buffett
  • Key West
  • Your Survival Guy
  • How We Are Different
  • Paris
  • About Us
    • Foundation Principles
    • Contributors
  • Investing
    • You’ve Read The Last Issue of Intelligence Report, Now What?
  • The Swiss Way
  • My Rifles
  • Dividends and Compounding
  • Your Security
  • Dick Young
  • Dick’s R&B Top 100
  • Liberty & Freedom Map
  • Bank Credit & Money
  • Your Survival Guy’s Super States
  • NNT & Cholesterol
  • Your Health
  • Ron Paul
  • US Treasury Yield Curve: My Favorite Investor Tool
  • Anti-Gun Control
  • Anti-Digital Currency
  • Joel Salatin & Alfie Oakes
  • World Gold Mine Production
  • Fidelity & Wellington Since 1971
  • Hillsdale College
  • Babson College
  • Contact Us

Gobble, Gobble, Gobble the Rule of 72

November 7, 2023 By E.J. Smith - Your Survival Guy

By Bochkarev Photography @ Shutterstock.com

Savvy investors are gobbling up these yields. Because you don’t need to compound big numbers to have big success. To double your money, you could do it with T-bills paying more than five percent today, compounding them for 15 years. But the key is, will they stay at five percent?

Think about the Rule of 72. The math. Dividing 72 by a compound interest rate tells you how many years it takes to double your money.

But it’s tricky. Because T-bills have a short lifespan. They provide comfort for three months at a time. It’s why investors are gobbling them up. They’re hard to pass up. But I want you to think about locking in solid yields for longer periods of time.

Is Your Family Prepared for the Next Disaster? Click Here to Survive and Thrive

Look at the yield curve.

If the economy gets into trouble, for example, and the Fed cuts rates, you can kiss the T-bill yields goodbye faster than you can say “pass the gravy.” And if history is any lesson, we know how low rates can go, and for how long they can stay there. Talk about a winter’s nap. It wasn’t that long ago we were looking at rates nailed to the floor.

If you have lazy money sitting around, and you can invest for longer than a few months, isn’t it time to look over the horizon and invest accordingly?

Action Line: When you’re ready to talk, I’m here.

Originally posted on Your Survival Guy. 

If you’re willing to fight for Main Street America, click here to sign up for the Richardcyoung.com free weekly email.

Related Posts

  • The Fifties Rule!
  • Richard C.Young’s Old Line "4% Rule"
  • Rule of Plunder vs. Rule of Law
  • Richard Russell’s Rule #1
  • Author
  • Recent Posts
E.J. Smith - Your Survival Guy
E.J. Smith - Your Survival Guy
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998.

E.J. has trained at Sig Sauer Academy in Epping, NH, NH, where he completed course-work in Practical and Defensive Handgun, Conceal Carry Pistol, Shotguns, Precision Scope Rifle and Kidnapping Prevention.

E.J. plays a Yamaha Recording Custom drum set with Zilldjian cymbals. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris.

Please get in touch with E.J. at ejsmith@yoursurvivalguy.com

Click here to sign up for my free monthly Survive & Thrive letter.
E.J. Smith - Your Survival Guy
Latest posts by E.J. Smith - Your Survival Guy (see all)
  • Graduation to Retirement: “I Have a Guy” #7 - May 22, 2025
  • Congratulations, You’re Retired: Now What? Part 6 - May 21, 2025
  • Congratulations, You Graduated into Retirement. Now What? #5 - May 20, 2025

Dick Young’s Must Reads

  • You’ve Read The Last Issue of Intelligence Report, Now What?
  • BANKERS’ WARS: Is Central Banking the Root of Global Conflict?
  • A Cashless Society Is A Debacle for Americans
  • Stunned Democrats Against “Defund Police”
  • Your Survival Guy at Fidelity and Your RMD Compliance
  • Thanks to America’s Worst President
  • Yes, Your Children Are Listening to You
  • Ron Paul: “Freedom and Central Banking Are Not Compatible”
  • What’s John Kerry Doing in Mexico?
  • What a Way to Make a Living: New Hampshire #1

Our Most Popular Posts

  • A Calculated Decision to Keep Silent
  • An American Tragedy
  • Congratulations, You Graduated into Retirement. Now What? #5
  • Retirement #4: How Do You Feel? How Will You Feel?
  • Who Knew about Biden's Health?
  • Middle East Investment Bonanza as Trump Tours Region
  • Donald Trump’s First 100 days
  • Is Trump Divorcing Bibi?
  • A Contemptable Little Twerp
  • PREPARE FOR THE WORST: Poland's Military Overhaul

Compensation was paid to utilize rankings. Click here to read full disclosure.

RSS Youngresearch.com

  • Graduation to Retirement: “I Have a Guy” #7
  • Indonesia Urged to Act Fast to Avert Domestic Gas Crisis by 2033
  • Nuclear Power Gets Green Light in Sweden Despite Political Divide
  • Behind the Code: Microsoft Hunts a Global Cyber Threat
  • Congratulations, You’re Retired: Now What? Part 6
  • U.S. Billionaires Target Congo’s Cobalt in Bid to Secure Energy Future
  • China Dominates Battery Supply Chain: From Mine to Market
  • Shale Plateau Looms as Global LNG Market Set to Double
  • Congratulations, You Graduated into Retirement. Now What? #5
  • World’s Leading EV Motor Factory to Supply Ferrari and Lamborghini

RSS Yoursurvivalguy.com

  • Graduation to Retirement: “I Have a Guy” #7
  • Your Retirement Life: Top of the Rock
  • Where Do We Stand with Tariffs?
  • Congratulations, You’re Retired: Now What? Part 6
  • Investing Habits of the Fairly Wealthy: #10 Powerball
  • Is America Poised for Next Gen Nuclear Power?
  • Congratulations, You Graduated into Retirement. Now What? #5
  • Big Blue Blob Cities Drive Residents (and Money) Away
  • Don’t Forget the Laffer Curve
  • Retirement #4: How Do You Feel? How Will You Feel?

US Treasury Yield Curve: My Favorite Investor Tool

My Key West Garden Office

Your Retirement Life: Traveling the Efficient Frontier

Live a Long Life

Your Survival Guy’s Mt. Rushmore of Investing Legends

“Then One Day the Grandfather was Gone”

Copyright © 2025 | Terms & Conditions | About Us | Dick Young | Archives