[glorgau]

T-Bills are around 5%

Thats $50K + SS and not state taxable in many states.

Well above the median wage but well below private jet money.

YMMV.

[RomanSoldier19]

now do that 10 20 years

[GaryCrow]

T-Bills are around 5%

Thats $50K + SS and not state taxable in many states.

Yeah, but it took 9% inflation before those T-bills started paying that so you're still losing money every year. When the inflation gets under control they'll go back to paying nothing.

[plain talk]

“T-Bills are around 5%
Thats $50K + SS and not state taxable in many states.”

T bills are good for a portion of your estate but not the whole thing. You should have growth investments to handle inflation - particularly with what we are facing now.

[desertfreedom765]

The real inflation rate is about 15%+, so a 5% t-bill isn’t the answer.

Cash flow is more important than cash saved.

For most people social security + ira withdrawls + part time work will get them through the end of their life. Plus you should not be in debt when you retire.