4/8/13/17/26-week Treasury Bills yield 4.5–5.3%, exempt from state/local tax — beats HYSA in high-tax states by 30–70 bp.
US Treasury Bills (4/8/13/17/26/52-week) are direct Treasury obligations exempt from STATE and LOCAL income tax (not federal). Yields track Fed target — recent 4.5–5.3%. In CA (13.3%), NY (10.9%), NJ, OR, HI, MN, DC, the state exemption adds 40–70 bp effective yield vs a taxable HYSA. Buy at TreasuryDirect (no fee) or via brokerage ($1K minimum, priced daily). Ladder maturities (4/13/26 week rungs) for rolling liquidity. Auto-reinvest at Treasury.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Systematically open bank accounts with $200–$500 sign-up bonuses; typical churner earns $2K–$10K/yr.
Brokered CDs via Fidelity/Schwab/Vanguard aggregate FDIC-insured yields nationwide — often 30–100 bp above local banks.
Rotate cash across the top 3–5 HYSAs/MMFs every 3–6 months as promo rates change — pickup 30–150 bp/yr.
Buy a long-duration CD when rates are high, break early when rates fall — pay small EWP for large gain vs current rates.
Interactive Brokers margin (5.83%) or Schwab PAL beats HELOC (9%+) for short-term liquidity — no appraisal, funded same-day.
Structure ownership + banks correctly for $1.5M+ FDIC per person — single, joint, POD, revocable trust each get $250K.
Fintech cash accounts pay 4.5–5% via bank sweep networks — some offer $250 signup bonuses stacked on top.
Bring $250K–$1M assets to a big-bank private client tier — get 0.125–0.375% mortgage rate discount + closing credits.