I have problems with your advice. 1. Treasuries are not tax free. 2. Technically the 10 year is a T-note. 3. This is not a risk free strategy. Interest

I have problems with your advice. 1. Treasuries are not tax free. 2. Technically the 10 year is a T-note. 3. This is not a risk free strategy. Interest rate risk is your biggest problem here. Although the Ladder will work in the current environment (interest rate anticipation), their is a good risk of higher inflation that could happen rather quickly. You will be screwed if your in fixed payment securities. The Bullet may be a better strategy here. To the OP. I would never listen to investment advice on the internet. Finance is complicated and easy to mess up. That said, I would invest in some options in your position, if you choose to play the markets. Don't do this unless you know what your doing however. Also be careful with financial advisors. Some, but not all are the chiropractors of the finance world. The CFA designation is viable here. You will probably be able to find better returns outside of financial markets, but it all depends.