this post was submitted on 24 Jul 2023
16 points (100.0% liked)

FIRE (Financial Independence Retire Early)

1139 readers
1 users here now

Welcome!

FIRE is a lifestyle movement with the goal of gaining financial independence and retiring early.


Flow Charts:

Personal Income Spending Flow Chart (US)

Personal Income Spending Flow Chart (Canada)

Finance Flow Chart (UK)

Personal Income Spending Flow Chart (Australia)

Personal Finance Flow Chart (Ireland)


Useful Links:

Bogleheads Wiki

Mr. Money Moustache - a frugal lifestyle blog

The Earth Awaits


Related Communities:

/c/[email protected]

/c/[email protected]

/c/[email protected]

/c/[email protected]


founded 1 year ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
[–] sugar_in_your_tea 4 points 1 year ago* (last edited 1 year ago)

I have mine structured like this:

  • ~50% - ibonds - they've matured past the 1-year lockout period, so they're very liquid
  • ~25% - t-bill ladder at brokerage (13-week t-bills purchased every 2 weeks)
  • ~25% - money market fund at brokerage

My brokerage is also my main bank account, so it's really quick to transfer money to my "checking." In fact, I hold my t-bills in my "savings."

I'm probably going to sell my ibonds and either repurchase at the higher fixed rate or add to my t-bill ladder. If I did it today, I'd probably just go with t-bills.