Negative interest rates seemed like a unicorn type of thing only a few years ago. Then we saw the first bonds in Europe with them and now we see the International Monetary Fund writing guides on how to implement them. These aren't little guides either... they are actual examples of how to enable negative rates on the cash in your pocket. This is absolutely fascinating and terrifying all at once. On this edition of The Your Life! Your Terms! Show, we share how they may work and what we can do to protect ourselves.