Newsletter 36: Ultra-High Yield Stocks: 5 Picks That Won’t Wreck Your Portfolio
✈️ Bangkok, Earthquakes & Booking Smarter: A Travel + Money Lesson
I recently booked a hotel in Bangkok using Agoda, just days before the Myanmar earthquake shook the region. Thankfully, Bangkok remained safe and calm—but here’s the part that matters: because I had booked with a free cancellation option, I noticed room rates had dropped post-quake. I canceled and rebooked—twice—and ended up saving USD $80. Small move, big win.
This week’s issue is packed with similar smart money tactics, whether you’re traveling, investing, or just trying to live well for less:
- 🏦 5 ultra-high yield stocks that won’t tank your portfolio
- 🔌 A retirement budgeting hack that slashes energy bills by 40%
- 💸 20 frugal tips from Fidelity’s Editorial Director
- 📚 A bold review of Die With Zero—a book that flips the script on saving vs. living
- 💻 Plus: A surprising strategy for Amazon sellers (and creators) to grow passive income
Whether it’s rebooking a hotel or rethinking how you use your money, this issue is all about using small levers to unlock big savings and satisfaction.
🌟 Featured Article
⚠️ Ultra-High Yield Stocks: 5 That Won't Wreck Your Portfolio
Want to boost income without blowing up your portfolio? These carefully vetted 8–12% yielders have the goods: strong cash flow, low payout ratios, and recession-resilient business models. The list even includes a Wall Street-snubbed sector with surprising stability. You’ll also learn the red flags to watch for when yield looks too good to be true.
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Before You Keep Scrolling, Let’s Fix That “Luxury Feels Like a Guilt Trip” Feeling
You want the little luxuries—like overpriced lattes, spontaneous weekend trips, or a fancy candle that smells like “rich aunt energy.” 💅 But every time you treat yourself, your wallet screams, “PUT THAT DOWN,” and your credit card starts sweating. 🥵
It’s not that you shouldn’t enjoy the good stuff—it’s that no one taught you how to do it without inviting debt to the party. That’s where personal finance newsletters come in. They’ll help you master your money, guilt-proof your spending, and finally live like a financially savvy legend (yes, with the candle).
Ready to splurge smart and still sleep at night? Click here and let’s make that your new normal.
🧠 Other Money Moves Worth Your Time
💼 “20 Frugal Tips That Saved Me Thousands” – Fidelity Smart Money
Meredith Bodgas (Fidelity) gets real with 20 actionable ways to live large on less. Highlights: using cash-back portals, negotiating bills, and grocery hacks that don’t involve extreme couponing.
🔗 Read the article
💡 Retirement Budgeting Trick: Slash Energy Bills by 40%
Planning for retirement? This article shows how seniors are cutting energy costs by auditing their home and switching to time-of-use billing. Small upgrades = big savings over decades. Bonus: a calculator to project your own long-term savings.
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💥 Do You Know: What Happens to Your Finances After a Natural Disaster?
Think your emergency fund is enough? Think again. Natural disasters can hit everything—income, debt, insurance, even credit scores. This Investopedia guide breaks it all down.
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📚 Book Pick of the Week
📖 Die With Zero by Bill Perkins
Rating: ★★★★☆ (4.5/5) – A bold, inspiring book that rethinks how we trade money for meaning.
This isn’t your typical finance book. Die With Zero introduces a radical concept: optimize your life experiences, not just your bank balance. From the “time-bucket strategy” to smart inheritance planning, Perkins argues we should spend intentionally while we still can.
Big Ideas That Stuck With Me:
✅ Health-Adjusted Wealth — $50K at 40 > $500K at 80
✅ Experience Dividends — Memories compound just like investments
✅ Give Earlier — Why your kids need help at 30, not 80
What’s Missing:
⚠️ Some case studies assume you’re starting with privilege
⚠️ Doesn’t fully account for healthcare costs or longer lifespans
⚠️ Tone sometimes swings between motivational and guilt-inducing
Best For: Ambitious 25–50 year olds who want permission to live fully—not just plan endlessly.
💼 Insider Deal for Hedgehog Readers
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🔚 Final Takeaway
We often chase wealth without considering why we want it. This week’s resources offer a powerful reminder: money is the tool—not the destination. Whether it’s stretching your retirement, building a passive-income empire, or booking that dream trip while you're still young enough to enjoy it—use your money to build a life that’s rich in experiences, not just digits.
Stay sharp, stay spiky — be the hedgehog with a strategy
Until next week,
— Mindy
Founder, Hedgehog Huddle
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