I agree with Yukycg.

IBonds cannot be cashed until after 12 months. then you lose 3 months of interest or something. All CLEARLY explained on the treasury website. I found it and read it, and I am old and dumb.

Can you do a 529 on yourself?

Short term cash goes into a HYSA or a 6 month CD. Not into iBonds or stock market at this time. Or that other weird thing, crypto currency.

I truly wonder how many young people bought Bitcoin at $60,000(or a fractional share) and are now down to $20,000 taking a 67% haircut.