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HYSA anyone recommends?
Why don’t people just hold TQQQ instead of QQQ?
My company matches 3%. Is that low or on par?
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Well first off, you can't megabackdoor cash. It has to be through 401k contributions. So that's not an option.
Second, you need the cash in a year. The market is risky in short time frames. Just keep it safe in a HYSA. Maybe ibonds too if you can wait exactly 12 months.