252: Hedging Inflation Through U.S. I Bonds with Maggie Gomez


A timely topic we’ve been hearing about from listeners for months – U.S. I Bonds. These are bonds issued by the U.S. Treasury to hedge against inflation and currently pay an incredible 9.62% rate… but there are a lot of restrictions and time is running out! We invite CFP Maggie Gomez, aka Money with Maggie, to the show to break down the ins and outs of I Bonds. Then Johnny and Derek discuss if they think I Bonds are a good play or if your money is better served invested elsewhere.

Maggie Gomez is on a mission to help you feel strong and confident in your financial situation. Maggie’s professional experience in major brokerage firms made her realize that clients with less than 6 or 7 figures to invest weren’t getting quality attention from a financial professional. That left most people with nowhere to turn to manage their financial life and start investing in their future! So that is why she started “Money with Maggie”


  • CERTIFIED FINANCIAL PLANNER™ (designation received after a 12-month intense study program and 6-hour exam covering a full spectrum of financial planning topics) 
  • 8 years of experience working at Charles Schwab, Morgan Stanley, and E*TRADE
  • Held a FINRA Series 7 License (Stock Broker, i.e. I sold investment products)
  • Held a FINRA Series 66 License (licensed to offer investment advice)

Where we are:


  • Indeed
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*Johnny, Derek, and/or Sam use personally invest through the above services.

Time Stamp:

  • 10:00 – What is an I-Bond?
  • 11:11 – What is the interest right now and how long are you locked in for?
  • 12:41 – What do you expect the next interest rate to be?
  • 14:16 – Is there a limit on how much you can purchase?
  • 15:26 – Patreon question: Can you gift I-bonds to family members or friends?
  • 16:07 – Patreon question: Is there any other way to purchase the I-Bonds other than the website?
  • 17:05 – How often can you buy I-Bonds and can you buy more under other LLCs?
  • 18:05 – Do you purchase I-Bonds and why?
  • 19:52 – Why do you think no one talks about Bonds anymore?
  • 23:10 – Do you have to be a US citizen to purchase the Bonds?
  • 23:35 – Patreon Question: How is the rate calculated?
  • 24:18 – Has it only recently become popular with your clients?
  • 30:48 – What do you think the interest rate will be in October 2023?
  • 32:16 – How do your clients feel about the stock market currently?

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