Any HYSA recs?

CO just bumped up to 3.2%, but you can usually get a better rate elsewhere.

You could put it in something like USFR or JPST and get around 4%

Why buy SGOV when you can earn ~50 bps more on JPST?

i'm just used to the schwab or vanguard MMF and i use SGOV and BOXX

i have JPST on my stock/ETf watch list but i have not used it in ages.

let me check and see what returns it says it is getting.

4.16% on my stock screener

SGOV 3.69%

fair enough then

We are just saying that JPST, for all intents and purposes, does the same thing as a savings account but provides a little more yield. Compared with most traditional savings account, it's almost 1% greater. On a balance of $200k, that's $2k/yr. Not nothing, but also not life changing.

Banks are assholes. They're lending at > 7% and still only giving up barely north of 3% on cash balances.

Ladder TBills

AMEX has been good for me.

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Are you buying in Treasury direct or through brokerage?

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Honestly, both.

Emergency fund and cash through Treasury Direct.

I use my dividends from my brokerage to fund my Roth. As I get dividends I put them in USFR until the first of the year when I backdoor my Roth. (Sounds dirty)