Ignore the idiots replying to you. They're clearly regards who don't know shit about fuck

Although buying bonds may have some opportunity cost (i.e., if the market crashes before your bond matures, you miss out on buying stocks for a low price) they're a decent investment right now thanks to super high federal reserve rates, volatile markets, and slowly (but steadily) decreasing inflation.

And, as always, treasury bonds are essentually 100% safe and guaranteed ROI. If treasury bonds failed, your money in them would've been worthless anyway.

As with all things in any investment decisions, it's trade-off of risk vs return. If you hold cash, you risk devaluation thanks to inflation but you also have the possibility of immediate liquid funds in the event of a crash. If you buy bonds, you risk losing the opportunity to buy stocks at market-crash prices, but have guaranteed ROI if held to maturity.

But to answer your question, "to stay afloat," yes. Absolutely.

If you buy a bond before rates come down the guaranteed return doesn't change at all. As a matter of fact, for long term bonds purchased before rate cuts, the value of them increases as newer bonds yield lower and lower returns.