I've had good success with Ally, LendingClub and Citizens Access. Avoid Citibank - they tend to freeze accounts and then refuse to return your money. I've seen a few nightmare posts about Marcus lately, so they aren't high on my list either.

There are some 5% CDs out there. And money market funds are yielding around 4.5%. I'm not sure how much T bills are earning these days, but it's probably right in between. I don't think you can get a better rate on cash right now (in the US).

Annualized - yes. Which means 40 cents over the course of 1 year, or 3 cents per month. On $10k that would be $33.33 per month. While $10k at 0.90% would be $7.50 per month.

Not really. Your can get 4% ish in a high yield savings account, money market fund, CD or even T bills.

Buy something on your credit card and then sell it.

Stocks are on sale - it's a great time to buy, buy, buy!

I would avoid Citi anything - they freeze accounts and withhold money, and they constantly lock me out of my online view for my credit card. I finally gave up and am cancelling the card. irreputable dirtbags.

I'm happy with my CapitalOne card.

I own IVV as well - it's a great ETF! As long as your brokerage allows for fractional shares, you can invest however much you want. I started with $100, and add another $150 each month.

Lots of great options already. Just avoid Citibank - they like to freeze you account and the refuse to return your money.

A HYSA is a great idea! Or a money market fund at a brokerage. You should be able to get about 4%. (just avoid Citibank - they tend to freeze accounts and withhold your money)

Technically, no. A T bill yield is annualized, so you'll earn the yield divided by 12 (months) times 3 (months). And the yield might be higher today than it is in three more moths when you buy another, or vice versa.

I keep it simple with a HYSA and MMF. Although I do have some T bills within my HSA.

A HYSA is a great idea. But avoid Citibank - they have a tendency to freeze your account and withhold your money for many, many months.

A Money Market Fund and/or T Bills at a brokerage are also great options.

It's always a great time to invest! I'm assuming you have a decent emergency fund, so a taxable account would be the next step. I suggest low cost, tax efficient index ETFs that are different enough from what you hold in you other accounts to avoid wash sales.

Your car loan is under 4% which is low enough that you can just make the payments if you want to invest instead. You can also split the difference - a little extra to the car loan, a little to investments (easier at a brokerage that allows for fractional shares) and even a little extra to savings.

They're mostly all fine. Just avoid Citibank - they like to freeze accounts and withhold your money.

If this is in an IRA, then the Zero funds are great options (I invest in them myself). If this is a taxable account, then you'll want a tax efficient and low cost ETF that is not "substantially identical" to what you hold in IRAs so as to avoid wash sales. Good options are: VTI/VOO, ITOT/IVV and SCHB/SCHX are all good options.

Sounds like you're already on the right path! Money needed in the next 3-5 years should not be in the stock market, so find the best yield you can for your funds and just save, save, save.