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.

The affiliate program is live As of May 17, 2026, the Obsidian Metrics affiliate program is active across the full product ladder — subscriptions, tier upgrades, and every standalone course. The commission rate is 40% across the board. On the subscription side, that means: if you refer one Premium $19/mo member, that is $7.60/mo paid to you for as long as they stay subscribed. Refer one VIP $39/mo member and that is $15.60/mo recurring. Those figures track the life of the subscription — if someone stays subscribed for a year, the commission stays active for a year. On the standalone course side, commissions are one-time but meaningful: Platform Stack 101 ($100) pays $40 per referral, Investing 101 ($150) pays $60, Trading Platforms Breakdown ($200) pays $80, Income Platforms Breakdown ($200) pays $80, Income Systems Breakdown ($250) pays $100, Premium Tool / Tools Classroom ($250) pays $100, and VIP / All Tools ($400) pays $160. Tier upgrades also pay. If someone you referred at Premium later upgrades to VIP, you get the 40% on that upgrade. The part that matters most for how this program actually works: even free members get paid when their referrals upgrade. You do not need to be on a paid tier to participate. If you share your referral link today as a free member, someone joins through it, and they later subscribe to Premium or VIP — you get the 40% commission on that subscription for as long as it is active. Attribution is tracked at the link level, not at the join-tier level. To find your referral link: go to your Skool profile, click "My referrals," and copy the link. That is the only link you need. One link covers subscriptions, upgrades, and course purchases. One clarification per Skool's rules: owners and admins of a community cannot earn affiliate commission on their own community. Every other member can. Tier structure — what the community looks like now As of May 16, 2026, the tier structure is locked at three tiers: Free — No cost. You see all the feed sections (Discussion/Q&A, Member Wins, Requests, Financial Market daily updates) plus the public preview module in the Classroom.

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.