/me looks for a Mortgage with a -4.5 rate
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If the bank is charging you -4.5% on a mortgage, it means they’re paying you -7.5% on your savings account.

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If my memory is accurate, we had some short term T bills go slightly negative in 2008 and 2009. Maybe it was just zero.
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I think it was zero. But I seem to recall something of an economic downturn around that time as well.

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