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You can’t buy as many I-bonds much per year now because of rule changes but you could move some of the money that won’t be needed for five years in both December and January to double the purchase amount.

I'm not sure this is correct. I think you can buy the same amount, however it's harder now, because you can only buy half the amount in "paper bonds" and the other half in a Treasury Direct account - for which you get no "piece of paper" to put in the safe deposit box. We did that last year (2 years ago? I forget) but stopped buying I-bonds when the rates went practically to zero. We have some from long ago where the base rate is 2 and 3%, so those are OK, but basically the last couple years have been crapola.
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