To be honest, the 1% extra is probably only yielding me around $500/yr, but I have learned a lot more about fixed income over the last year than I've learned while rates were low.

I've never been in the position to have to decide when/if to extend the duration of my bonds, hence the original question. My gut is saying that sometime this year I should extend to around 2 years duration and that by next year rates might start going down. But of course I don't know nothing!

Here’s the most recent T Bill rates: https://www.treasurydirect.gov/auctions/announcements-data-results/

The last 26 week rate was 5.381%

SPAXX 7 day yield is 4.75%

T Bills are also state tax exempt, CA 9.3% bracket, which makes the T Bills more like 5.88%

I've been buying a rolling 6 month T Bill ladder since sometime last year. Considering extending the duration out to around 2 years. If you're buying T Bills, what's your duration right now?

I have mixed feelings about the provisions of the TCJA expiring in 2026. The lower tax brackets and QBI have made Roth contributions really attractive. However, I would really enjoy having lower taxable income with more Traditional contributions, which I would plan to do in 2026. Sometimes I feel like I’m planning too far ahead, since for all I know, the TCJA could become permanent.

Usernames are unique only to the instance you registered with. Someone can be CrimsonFlash on a different instance than the one you are on, just like they could be [email protected] or [email protected].

There’s no need for you to register at all the instances, just pick one and follow the communities you’d like to.

I typically change my username every few months, so no. Can’t get attached to any one online identity.

I’m able to search for communities by tapping the “Subscribed” title at the top and then typing something, it should show autocompleted communities.

I’ll be staying no matter if Reddit reverses their decision. The communities I’d like to follow might be smaller here, but I’m sure they will grow.

I did enjoy reading those threads as well. I rarely participated by posting my own top level comment, but would occasionally respond to others. I would make an effort to post more though, if I saw the thread each day.