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Ask The Hammer – EE Bonds

The Hammer discusses EE Bonds and potential tax breaks.

By Jeffrey Levine May 13, 2026

Bonds & Fixed Income
Jeffrey Levine CPA/PFS, CFP®, ChFC® — Chief Planning Officer, Focus Wealth Partners Robert Powell CFP® — Co-founder, finStream.tv; Editor, Retirement Daily at TheStreet
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Key Takeaways

  • Series EE bonds cannot be redeemed until they are at least 12 months old; if redeemed within 5 years, you forfeit the last 3 months of interest but don't report a tax penalty
  • Unlike CDs where you report income as it accrues, EE bonds allow you to defer reporting interest income until you actually cash them in
  • If EE bond interest is used for qualified education expenses, it can be excluded from income taxes entirely—but verify this doesn't negatively impact other student benefits like credits
  • EE bonds earn interest for up to 30 years, giving you flexibility in timing redemptions based on your tax situation

Ask The Hammer - EE Bonds: In this episode of Ask The Hammer, Jeffrey Levine discusses EE Bonds and potential tax breaks. Watch more episodes of Ask The Hammer at this link: https://www.finstream.tv/videos/ask-the-hammer/

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