People like Wealthfront offer $3M in FDIC insured deposits and 4.3% interest (from their recent email). Others have similar offers or you can just spread your m

People like Wealthfront offer $3M in FDIC insured deposits and 4.3% interest (from their recent email). Others have similar offers or you can just spread your money around to different banks. That should cover most stuff. For the rest of your money you can estimate when you'll need it and buy the appropriate T-bill, down to 4 weeks. Everything you say is correct, but only on that timescale. The only risk is the US government collapsing, but in that eventuality you are very likely to be completely fucked no matter what you do.