The increased interest return on the $10k is insufficient not enough for me to sign up for and then manage an account at treasurydirect.gov. Of course, it could be for others.
My philosophy is I keep a certain amount of physical cash (in case electronic payments go down), I keep digital cash (in case my income gets disrupted), and the rest is invested. I already have the digital cash in an FDIC insured savings account earning 2.4%, and I do not need to worry about splitting it up into per year amounts or when I can and cannot withdraw it and how much.
It is more of a simplicity thing I guess for me, and the abnormal inflation calculations which lead to the last 18 months of exceptional i bond returns probably will not last.
My philosophy is I keep a certain amount of physical cash (in case electronic payments go down), I keep digital cash (in case my income gets disrupted), and the rest is invested. I already have the digital cash in an FDIC insured savings account earning 2.4%, and I do not need to worry about splitting it up into per year amounts or when I can and cannot withdraw it and how much.
It is more of a simplicity thing I guess for me, and the abnormal inflation calculations which lead to the last 18 months of exceptional i bond returns probably will not last.