syxxnein

syxxnein t1_j6o9t82 wrote

I have a tbill ladder going on and I think it's pretty sexy! 😂

I also have I bonds and I'm super happy with the return from Sept and Oct last year for my wife and I plus gifts for each other. I plan on holding these for a while as an emergency fund. I'll continue to evaluate as rates change but I'll be getting my full 15 months out.

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syxxnein t1_iuhskyz wrote

Why isn't roth or 401k an option? Hsa?

A taxable account would be your last option if you really couldn't do the above but not many people only have 5k a year to invest and can't do the above. There are exceptions but usually if you have maxed out income limits you have more than 5k to put in.

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