Maximize Interest Income

T-Bills are the most liquid financial instrument in the market. Transactions are frictionless — no fees — and even during periods of heightened volatility the instrument remains stable and liquid. Most retail investors leave cash in a checking account earning 0.01%, or give up 20–30 basis points using a "High Yield" savings account. Meanwhile, the risk-free rate — what the US Government pays to borrow money — is significantly higher.

You do not need to lock your money away for years. You can buy 4-week, 8-week, or 13-week bills and stay fully flexible.

• 1
  Open a Brokerage Account Charles Schwab, Fidelity, or Vanguard — the latter two offer "Auto-Roll," automatically reinvesting when a bill matures so your cash is never idle.
• 2
  Select "Fixed Income" Navigate to the Fixed Income or Bond section and search for New Issue Treasuries.
• 3
  Auction vs. Secondary Market Buy at Auction to get par value with no spreads. Secondary market purchases carry a 1–2 basis point spread but offer more timing flexibility.
• 4
  Hold to Maturity or Sell Early Interest accrues over the duration of the maturity. You can sell at any time and still collect accrued interest — or simply wait until maturity.

• Set up automatic transfers from your checking account to your brokerage to keep cash working at all times.
• Consider laddering bills of different maturities (4-week, 8-week, 13-week) to lock in higher yields during future easing cycles.
• Monitor the risk-free rate — it fluctuates based on economic conditions and Federal Reserve policy changes.
• When you sell securities or real assets, immediately move the proceeds into T-bills. Never let cash sit idle.