For folks who don't know: In these HYSA, every time the interest pays (monthly), it triggers a taxable event. This might be important for you to consider. If yo

For folks who don't know: In these HYSA, every time the interest pays (monthly), it triggers a taxable event. This might be important for you to consider. If you invest longer term in bonds and good securities instead, you could time your tax better (i.e.: sell when your income tax is lower; retirement). In the US, you can get "lifetime/permanent insurance," which has a cash component that can be invested in bonds and enjoyed on much better tax terms (eating less into your bond's return). This is not financial advice.