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@jewelsarah Please read again. I never said I have a Solo K. My spouse does. And you are also flat out wrong about everything else. I put 30k in my 457 and 403b each. 60k total every year. Plus my 401a contributions and my employer match to that. No defined benefit plan. Single employer. Not a...

@jewelsarah Not true. I actually have three through my employer: a 401(a), a 403(b) and a 457(b). My spouse has a Solo 401(k). And the max for us is 30k each for the 403, 457 and the Solo including the $7,500 catch-up. Plus the 401a, which includes my contribution and the employer match, and...

@resjudicata I have no issue with Treasury Direct and but all of my T-bills there in addition to I-bonds. But I also have two brokerage accounts - Schwab and Fidelity, so I’m unclear why adding another brokerage presents an issue if there is benefit.

@mitchrad We max out our 403b, 457 and Solo k but still have some room left to get out of the 22% bracket. We put enough in each of our Traditional IRAs to reduce our taxable income to the top of the 12% bracket and then put the remaining amount in a Roth IRA.

@resjudicata But why not? It would just replace your Treasury Direct account, be easier to use, and have greater benefit.

@resjudicata Why not open a fidelity account for this?