> There’s little reason to have a typical savings or money market account or even a money market / bill fund when you can just put together a 3 month treasury l

> There’s little reason to have a typical savings or money market account or even a money market / bill fund when you can just put together a 3 month treasury ladder and get 5.25+%. Quibble: There are Treasury money-market funds with the same tax advantages (just pay attention to the government obligation percentages when you do your taxes), and basically the same yields, because that is in fact what they're doing under the hood. And they can be a little easier to deal with than putting a ladder together yourself. E.g., FZFXX, SNSXX, VUSXX.