System 7 — High-Yield With FDIC Anchor

Groundfloor, Marcus by Goldman Sachs, and Brave BAT. A short-duration real-estate-debt sleeve with a pure FDIC anchor and a small attention-rewards slot.

Who this is for

Readers who want some real-estate-debt yield exposure while keeping a clean FDIC-only deposit floor.

System layers

Yield venue: Groundfloor. Short-duration real-estate notes with stated terms.
Redundancy: Marcus by Goldman Sachs. Pure FDIC-insured savings/CDs. The cleanest off-stack anchor.
Growth layer (small): Brave Browser (BAT rewards). Near-zero-stakes attention rewards. Useful as the household's hands-on lesson in self-custody.

Cadence

Monthly Groundfloor note ladder review; quarterly Marcus rate check.

Why it works

The FDIC anchor is genuinely off-stack from Groundfloor's Regulation A structure. A bad year at Groundfloor does not touch Marcus.

What breaks it

Treating Brave BAT as a yield venue. It is a growth-layer slot and tiny by design.