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![ryanseewald Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::391792123.png) Ryan Seewald [@ryanseewald](/creator/twitter/ryanseewald) on x XX followers
Created: 2025-07-22 01:52:42 UTC

@CharlesSchwab I’m not a huge fan of phone calls tbh. I’m also still relatively new to the industry, and I am still learning, so a simple explanation would be good for someone like me. Also, why are these rates so much lower than all of the others? Thanks!

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**Related Topics**
[rates](/topic/rates)
[charlesschwab](/topic/charlesschwab)

[Post Link](https://x.com/ryanseewald/status/1947474855885942848)