Certified member Tricia Rosen was quoted in this article in CNBC, “ Rising inflation may increase yearly rates for I bonds. Here’s what to know. ” The writer comments that a downside of I bonds is the lack of flexibility, which makes I bonds less attractive for emergency savings you may need to access in a pinch. “You absolutely cannot access it for a year,” said certified financial planner Tricia Rosen, principal at Access Financial Planning in Andover, Massachusetts. “It doesn’t matter how badly you need it or what horrible situation you’re in.” Moreover, if you cash in I bonds within five years, you’ll lose the previous three months of interest, she ...