T Bills update: The last 4 week bill issued on 11/29/2022 had an investment rate of 4.038%, the 8 week 4.204%, we have some 13 week ones as well, and have been laddering. These rates crush our bank accounts which is why I moved most of our cash out of the bank a bit back except for what we need to manage our regular household and have some bucks for quick needs/emergencies. The Treasury Direct website is easy to use, bank and forth from a bank account.

This is really good news for seniors too who have suffered for years not being able to make interest in bank accounts with the low rates. I've continued to supplement my Mom's income with T Bills, the automatic reinvestment provides convenience as well. The interest is sent to the bank account when the principal is reinvested into a new bill. 

And also as a teaching tool for savings. My grandfather taught me to save through savings bonds years ago and it stuck with me for life. I've been using T Bills as a tool and the system trades to work with my grandson who's 8. "Papa, what is the new T Bills rate?" "Papa, what did the system say today?"

https://www.treasurydirect.gov/auctions/announcements-data-results/