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Sometimes it seems like everyone just wants risk these days. Crypto. Sports gambling. Options trading, ETFs that magically yield 10% or more. However, if you’re in the opposite camp and you want the absolute least amount of risk, you’d want to retire off an investment that has a return that is fully-guaranteed, pays out a monthly income like clockwork, is even guaranteed to grow with inflation. Inflation was relatively mild for a long time until recently, but historically it has been a significant risk factor.

If that interests you, check out 3 Ways to Build an Inflation-Adjusted Pension by Allan Roth – which first reminds you that Social Security is exactly this! – but also introduces a new series of LifeX Inflation-Protected Longevity Income ETFs.

At current rates as of 12/11/25, the LifeX 2055 Inflation-Protected Longevity Income ETF (LIAM) contains a managed portfolio of United States Treasury Inflation Indexed Bonds (TIPS) that can provide you with a 4.26% guaranteed real withdrawal rate for 30 years. That means a $1,000,000 portfolio would distribute roughly $42,600 in annual income this year, but that number would increase with CPI inflation each year for 30 years (through the year 2055). At 3% average inflation, your 30th year’s income would have grown to over $100,000 a year. Of course, inflation could be a lot higher, which is why no private insurance company will sell you inflation protection over such a long period of time.

After those 30 years, you will be left with nothing. Your initial principal will be gone. Therefore, your income taken each year is partially a return of principal.

The expense ratio is 0.25%, which isn’t Vanguard-level but not horrible. I like that it does all of the work for you in a tidy ETF package, as building a TIPS ladder yourself can be a bit tricky (and do you want to keep doing it at age 80, 90?). Of course, I also worry about what happens if you bought a 30-year ladder at 65 and happen to live past 95. It could happen, and remember, this product is meant for the risk-averse folks that like to cover all the bases.

In general, I feel a TIPS ladder or equivalent that adjusts with inflation would work well in combination with a traditional annuity like an SPIA or a deferred longevity annuity that starts at a later age, which doesn’t adjust with inflation but does provide an higher initial fixed income that can last as long as you live. This is what I have set up for my parents – Social Security that rises with inflation, plus a joint income annuity that pays out as long as one is living.

Added new $25 off $25 link (may be targeted). inKind is a startup that provides restaurants financing in exchange for “food and beverage credit”. Retail customers can use inKind to pay their food bill at participating restaurants through the app and get 20% back in “inKind Cash” credit on their bills. They say over 4,000 restaurants are in their network, mostly nicer local spots, but some chains like California Pizza Kitchen are also included (which is a favorite for our family).

The good thing is that you don’t have to let the server know ahead of time, or do anything awkward like using a coupon. You just get the check and then use the inKind app to pay. All the restaurants use the same backend Toast software, so you just need a number from the top of the paper bill. Within the inKind app, you can link your existing rewards credit card and also earn those rewards on your net cost (will still code as dining). inKind works primarily for dine-in, but some restaurants do specifically allow take-out. You are supposed to order the takeout from within the inKind app, but as long as you get the bill with the code, you should be able to pay using the app.

Current promos:

• New customers should first open via a $25 off $50+ referral link (that’s mine, thanks if you use it!). Expires 30 days after claiming. “Friend of Jonathan”.
• Existing customers can visit this separate $25 off $25+ link for another order. May be targeted. “Your End of Year Reward”. Expires 12/14/2025.
• Existing customers can visit this separate $25 off $50+ link for another order. May be targeted. “Mystery Reward”. Expires 45 days after claiming.
• Existing customers can visit this separate $25 off $50+ link for another order. May be targeted. “We Miss You”. Expires 30 days after claiming. Hat tip to DoC.
• $10 off $30. Expires 11/25.
• Existing customers can visit this separate $25 off $75+ link for another order. Expires 30 days after claiming. Marked as “Anniversary Gift”.
• Existing customers can visit this separate $15 off $15+ link for another order. May be targeted. Added October 2025 and marked as “Thanks for your feedback”.
• Existing customers can visit this separate $25 off $50+ link for another order. May be targeted. Added October 2025 and marked as “Thanks for your feedback”.

If you have a big bill, know that you can “split the check” within the app, so that two separate people can use a $25 off $50 discount in their respective inKind apps.

You should see your multiple offers in the app:

California Pizza Kitchen is part of the inKind network, and they are a reliable way to use these offers. They usually have some sort of promo going, like right now they have $10 Pizzas on Monday and Tuesday that you can stack.

Now, I can’t guarantee this will work for you, but this may work with CPK take-out and not just dine-in. (Be sure order directly from CPK.com or over the phone, not another app like Doordash or Grubhub.) The place we go to just has a separate take-out counter and the default check that comes from them should work with inKind. If not, tell them you want to pay with inKind and they should be able to generate the right check with the number on top. Make sure you meet the minimum purchase amount.

Update December 2025: SoFi announced some changes to their available features and what is only available with their SoFi Plus “Premium” membership program. I feel that they are trying to build something like “Robinhood Gold”, but hopefully better promos are coming because I don’t feel the perks are worth the cost right now. First, there are now three different ways to earn their higher APY tier (any single ONE of these is enough):

• Eligible Direct Deposit of any amount (even $1). Many people can split their paycheck multiple ways.
• $5,000+ in combined balances across SoFi Checking and Savings accounts
• SoFi Plus members that pay $10/month fee.

You can see this on their rate sheet (as of 11/12/25):

Second, SoFi Plus is now paid-only at $10/month. You no longer get it for free with a direct deposit, although they are extending complimentary access to all SoFi Plus benefits through March 30, 2026 with eligible deposits. You can see a list of SoFi Plus benefits here.

For the most part, the SoFi Plus benefits are the same as before. A notable new addition is the SoFi Smart Card which is a charge card linked to your SoFI Bank accounts that offers unlimited 5% cash back at grocery stores.

Otherwise, I would say the most valuable SoFi Plus perks that existing Direct Deposit folks lost with this change are:

• 10% rewards boost on the SoFi Unlimited 2% Credit Card, which turns the 2% cash back into 2.2% cash back.
• 2% match on recurring IRA contributions, plus a 1% match on recurring deposits made through SoFi Invest taxable brokerage accounts.
• Possibly the ability to “schedule an unlimited number of appointments with a financial planner”, although I’m not sure of the quality of this advice. There is no indication you’re guaranteed at least a CFP. I’ve never used this feature, but it might be nice if you wanted to get some general advice.

Update April 2024: SoFi made a few notable changes recently, both positive and negative:

• The SoFi Unlimited 2% Credit Card added 10% boost on their rewards with direct deposit into SoFi Checking or Savings. This would work out to 2.2% cash back rewards points on everyday purchases. (As of December 2025, this is now restricted to SoFi Plus members paying $10 a month.)
• There is a new inactivity fee of $25 per account for every 6 months of login inactivity.
• The outgoing ACAT transfer fee was increased to $100. Previously $75.

Original post:

SoFi (“Social Finance”) is an all-in-one finance app that expanded from students loans into banking, stocks, crypto, credit cards, and more. Here are their current promotional offers; New users can receive a separate opening bonus for each separate part of SoFi (Money, Invest, Loans, etc).

• SoFi Checking Referral Offer: Up to $325 new user bonus. Open a new SoFi Money account and add at least $10 to your account within 5 days, and get $25. Then get up to $300 additional bonus with qualifying direct deposit. Plus up to 4.30% APY.
• SoFi Credit Score Tracking Offer: $10 in rewards bonus points. You’ll earn $10 in rewards points when you activate free credit score monitoring
• SoFi Invest Referral Offer: $25 new user bonus. Taxable brokerage account. Open an Active Investing account with $10 or more, and you’ll get $25 in stock.
• SoFi 401(k) Rollover Offer: Up to $10,000 Bonus. Get a 1% match when you roll over your 401(k) into a SoFi IRA. Partnered with Capitalize to make the transition easier.
• SoFi Student Loan Refi: $300 bonus. Warning: Do your research before refinancing your Federal student loans to a private lender.
• SoFi Doctors and Dentists Student Loan Refi: $1,000 bonus. Special low rates just for doctors and dentists.
• SoFi Private Student Loan: $300 bonus.
• SoFi Personal Loans Referral Offer: Fixed $300 bonus. Fixed $300 bonus, 90 days after successful funding. The loan has no fees and you can pay it back in full after 90 days (you can pay it down to $50 before then to accrue minimal interest, thus making a new profit after the bonus).

As 2025 winds down, you will probably read a lot of articles remarking how international stock indexes have outperformed US stock indexes like the S&P 500 by a significant amount this year. This hasn’t happened in a while! Yet, the following chart shows that the gap in valuations is still very wide.

PE10 stands for the ratio of price to 10-year average trailing earnings (AKA CAPE ratio, or cyclically-adjusted P/E ratio) which attempts to smooth out earnings spikes. Image via TopDownCharts.

Update: A quick heads up for existing Kraken users that many people are being targeted for another 30 days of their “Daily Spin” game given out to new users. You will need to make one trade to activate (even buying $1 of BTC or USDG and paying a penny fee works). Then you get 30 days of spins, like free slot machine pulls. The total average winnings over 30 days seem to be reliably at least around $15-$20. Check your offers tab; The e-mail subject was “🎄Spin to win up to $2,500 this Christmas!”, which looked a little spammy so you might have missed it.

Original post:

Crypto exchange Kraken is now offering up to a $150 bonus in crypto after you open a new account and complete the requirements. You can confirm when entering the code, as shown above. You must trade crypto that isn’t stablecoin, like BTC. The details are below. That’s my referral link, which should auto-populate with the promo code 2zr4jyp5 . Thanks if you use it!

• Open an account and deposit at least $100.
• Trade at least $100, earn $15.
• Trade at least $300, earn $20. ($35 total)
• Trade at least $500, earn $50. ($75 total)
• Trade at least $5,000, earn $75. ($150 total)

Select cashback portals are offering bonuses as well, which change regularly but can be upward of $100 as well, like TopCashback and Rakuten (search “Kraken”). The payouts vary up to daily, but I would wait until one is above $100, currently Rakuten is at $150 at time of writing (Hat tip to DoC). I am not 100% certain if this will stack with the referral discount, but I would still try going through the portal link and then adding the referral code. There are multiple successful reports of stacking.

Be on the lookout for a Daily Spin game which offers free spins for 30 days as well.

Other crypto offers:

• Gemini $50 bonus after trading $100.
• OKX $150 bonus after depositing and trading $200 of crypto.