Decision tree for where cash goes in 2026. The Fed cut rates again, HYSA yields are compressing, and the "easy yield" era is ending. The question I keep getting in DMs is some version of "where does my cash go now." So I built a framework PDF that walks through it — HYSAs, T-Bills, money market funds, and Series I bonds, with a 4-question decision tree that takes you from "where do I put this" to a structurally appropriate answer based on your liquidity needs and tax situation. Free to download in the Classroom under "Sample Library (Free Preview)." Pinned at the top of that section. If you have questions on the framework after reading it, drop them in the comments. The community is here for exactly that kind of discussion. Educational only · Not financial advice · Results not guaranteed. We are not financial advisors.

Start here — read this before anything else (5 min) Body Welcome to Obsidian Metrics. If you joined to find the one platform that prints money, you're in the wrong place. There isn't one. The whole reason this community exists is that the people promising you that platform are not telling you the truth, and the version of finance that actually compounds for normal people is the boring version most creators refuse to teach. So here's what this community actually is, and what to do in your first hour. What Obsidian Metrics is We are a financial education community organized around one idea: redundancy beats prediction. Instead of betting on a single platform, a single asset, or a single guru, you build a small system of independent platforms — each doing one job, each replaceable, each verifiable on its own. The community gives you the framework, the platform library, the system templates, and the tools to actually track what you build. We do not give you stock picks. We do not give you yield promises. We do not have an "insider" anything. If that's what you came for, this isn't going to feel like home, and that's intentional. What you have access to from day one - The 22-platform library at https://obsidian-metrics.pplx.app/#/platforms. Every platform is categorized by function — on-ramp, yield venue, redundancy anchor, growth layer — so you can see what each one is for, not just what it is. - The 13 systems at https://obsidian-metrics.pplx.app/#/systems. These are pre-built templates that show how multiple platforms can work together. Pick one that matches your situation. Modify it. Build your own. - The classroom inside this community. Walkthroughs, breakdowns, and the longer-form education content. Always being added to. - The daily market update posted here every weekday after market close. Real numbers, real context, no hot takes. - The weekly recap posted Sunday nights so it's the first thing in your feed Monday morning. - The Monday platform drop — every Monday, one new platform fully documented.

You joined Obsidian Metrics as a free member. Most people stay free for 2-3 weeks before deciding whether to upgrade. This post is what to read at that decision point. Free — $0 What you have: - All feed sections: Discussion / Q&A, Member Wins & Results, Requests & Voting, and the Financial Market feed (daily market updates from our daily research, available to everyone) - The Classroom public preview module — walks through the four-function framework end-to-end as a free top-of-funnel module - Read + post in every public discussion - A view of what's behind the paywall: every Classroom module is visible in the list with its description, but locked modules require a paid tier to open If you're still learning the framework and want to read before you commit to a paid tier, free is the right place to stay. Premium — $19/mo What you unlock on top of free: - Weekly Platform Drop modules. Every Monday, a deep breakdown of one US-accessible, retail-friendly platform — fees, framework function, historical ranges, risks. Lives in Classroom. - Obsidian Tracker walkthrough. A full Classroom module showing how to use the everyday tool: logging every platform in your stack with the function it serves, the current rate or fee, and the last-verified date. - System Lab walkthrough. A full Classroom module on the comparison and builder tool — modeling swaps and additions before committing capital. - Trading platforms breakdown library. Text breakdowns of major brokerages and trading platforms. - Income platforms breakdown library. Text breakdowns of yield, REIT, peer lending, and other passive income platforms. - Income system breakdowns. Example stacks built around specific use cases. - Monthly and Weekly Action Plans. What to audit, what to verify, when. Premium is the right tier for anyone actively building out their system. Cheapest path to the full Classroom. VIP — $39/mo What you unlock on top of Premium: - Monthly Platform Stack Audit Template. A new gated Classroom module each month with the current-state of the four-function framework, including which platforms moved into or out of the categorical examples we cover, and what changed in the historical ranges. - DM access to Andrew. 48-hour response window. Use it for stack-specific questions on your own setup. - Early access to new tools. Whenever a new tool launches, VIP gets it first. - Advanced classroom track. Deeper breakdowns aimed at members who've already built a baseline stack and want to refine.