Investing In You

 
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The Story Behind Yield & Spread

From Creator Rebecca Herbst

For most of my life, I was too scared to learn about investing. 

I knew that earning money was both essential and attractive. I was always a hard worker, and generally a saver, but I didn’t know what to do with my leftover savings. How could someone with a degree in economics and a job at a reputable real estate company not know about money management? I was embarrassed. Every time I tried to learn more, I’d get frustrated. The articles I'd read were too complicated, or worse, advertisements from banks trying to get me to use their services. I didn't know what was the "right" way to invest or whom to trust.

But then I met my now partner. He created a space that was safe and healthy to learn about finances. And I very quickly realized -- Oh, this is not that hard! -- It's actually quite simple as long as you keep your investing strategy simple.  It flipped my entire world upside down - in the best way possible.  I went from knowing virtually nothing about investing to realizing I could retire in my early thirties with the money I already had. 

Learning about money management has been the single most empowering experience in my life.


Yield & Spread is my way of sharing that empowerment with others. I firmly believe that every single person deserves to understand how to manage their own money. Unfortunately, our schools rarely have programs to teach us these vital life skills. So we learn about it way too late in life, or worse, never at all. Instead, we spend most of our time thinking about how to make ends meet. It always seems like we never have enough money, time, or energy.

Yield & Spread will teach you about money. It will give you the skills to be independent. And in turn you’ll be able to make healthier and happier life choices. 

 

Why we give back

Boost your Wallet. Wellbeing. World.

Once I learned how to manage my money, I understood how much money I actually needed to live a happy and healthy life. I knew what was ‘enough’ for me. And in realizing I had enough, I was able to get myself off the hamster wheel and focus on not just myself but also giving back. 

In the Learn to Invest & Build Wealth course, you'll hear us talk incessantly about planning for your future and making the most of each dollar you invest. The 'financial mindfulness' we teach is inspired by our desire to give back. If we can be thoughtful in how we plan and invest for our future, we create both healthier ways of living for ourselves and also create more room to help others. 

Philosopher Peter Singer is a big inspiration for Yield & Spread. He founded The Life You Can Save, our charity partner of choice. The Life You Can Save makes “smart giving simple” by identifying charities that are high-impact and cost-effective. We are grateful to partner with this impactful organization.

 
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Learn about highly effective giving

Get a FREE version of The Life You Can Save as an eBook or audiobook. Peter Singer will teach you how to give to charitable causes in an efficient way. For anyone on their financial journey, this is a must read. I hope you learn from it as much as I did.

 

Engagement & Accolades 

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Disclosures

Yield & Spread is a Utah state nonprofit, and is currently working to obtain 501(c)(3) tax-exempt status of the Internal Revenue Code. Information concerning Yield & Spread including financial and charitable purposes may be obtained, without cost, by emailing us as yieldandspread@gmail.com.

Disclaimer

The information contained in the Yield & Spread website, course materials and all other related content is provided for informational and educational purposes only. It is not intended to substitute for obtaining accounting, tax, or financial advice, and may not be suitable for every individual. Yield & Spread is not a registered investment, legal or tax advisor or a broker/dealer.

Terms

The information contained in the Yield & Spread website, course materials, and all other related content is proprietary and may not be used, published, redistributed, or repurposed without the prior written consent of Yield & Spread.

Links

Yield & Spread is not responsible for the contents of any linked sites to its coursework or website. The inclusion of any link does not imply endorsement by Yield & Spread of the site. Use of any such linked web site is at the user’s own risk.

Revisions

The materials appearing on Yield & Spread's website and within its course materials could include technical, typographical, or photographic errors. Yield & Spread does not warrant that any of these materials are accurate, complete, or current. Yield & Spread may make changes to the materials contained on its website or within its courses at any time without notice. Yield & Spread does not, however, make any commitment to update the materials.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this policy in order for you to understand how we collect, use, communicate, disclose and make use of personal information. The following outlines our privacy policy.

  • Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

  • We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.

  • We will only retain personal information as long as necessary for the fulfillment of those purposes.

  • We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.

  • Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

  • We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

  • We will make readily available to students information about our policies and practices relating to the management of personal information.

We value our own privacy and that of our users. Our intention and policy is never to release any personally identifying information to any outside organization, except in the event of the sale of our business to another party. We never share, rent, or sell email addresses or other specific, personal information about our users.