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You somewhat avoided my question about where you had your money. You stated that saving accounts are paying a certain percentage but you did not say that was where you had your cash.
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Right now my personal preference is TBills, and I have a large portion in IBonds that are still earning a high percentage (purchased back in the days when you could use a credit card – purchased using a 5% cash back card.. so I really like these Bonds as you can imagine).
Shame you can’t do that anymore. 🙁
I use a 5.15% checking account for my day to day stuff.
I’ve been trying to get more liquid in preparation for the next few years (outside of various savings accounts, 401ks, ira’s, etc…)
That’s just my strategy though. I figure the “real” price reductions will probably be in the next 2 years. But, just my best guess… who knows.
