Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

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It is clunky but fine. Some people have trouble with the initial account setup and bank account linking but I did not.

And yes, this is not an emergency fund to the extent you cannot access it. I suppose you could rely on credit cards or selling your investments in the event of an emergency but that could be very costly. If that means delaying your 2022 purchase that is fine, you'll still get that rate for six months if you buy in April instead of January.

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It’s pretty annoying to use, but can’t beat the rate right now - worth it in that sense

helpful

I’d keep your true emergency fund in cash since it’s locked up for 12 months, because if you can’t get to it, then you’re hosed. I’m planning to use this to invest for longer term purchases I anticipate in next 36 months.

helpful

It's a bit clunky but I had zero issues with it and I'm pretty sure (tho not 100%) I did everything from sign up to purchase all on my phone.

It’s fine. Not cutting edge but I had zero issues. I plan on making that my emergency fund after a year but tbh I don’t know how quickly I’ll be able to access the funds. Anyone here know?

It was easy for me, and I'm kind of a moron with computers

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