I'm assuming you're retired? Because otherwise the biggest problem I would have with your question if the fact that you seem to have much more than a years worth of cash set aside.But yes, for any money you have set aside for cash/safe, T-Bills are a good choice if you're in a state with at least a modest state tax. I have a 5.3% state tax here in Mass and am developing a ladder of 6 month T-Bills. The only question is how much should you really have in cash.
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