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Personal Finance (Not Investing) • tbill interest at Fidelity is avalable only two days a week.

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It’s an emergency fund. 1/4 becomes available each week. —vtMaps
That seems needlessly complex.

Realistically, what kind of emergency would need that kind of cash availability?

Credit cards are my first line of "emergency fund", backed by a combination of cash and T-Bills that can be used to pay off the card.
Complex? Hardly. What is so complicated about staggering T-Bill maturities? I have staggered 8 week maturities just so I have the ability once every week to carve out some cash. If I don't need cash, then so what?

Statistics: Posted by FreddieFIRE — Tue Mar 04, 2025 1:12 am — Replies 20 — Views 1625



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