Forty-Bot
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User ID: 298
Can't get around b, but you can at least hold most of your funds in a state-tax-advantaged fund like TTTXX/GABXX/SGOV/USFR (or a state-specific fund if it exists). You can put the remainder in a HYSA which will not be tax efficient but at least supports ACH transfers. You could also use a vanguard brokerage account with VMFXX as the settlement fund. You can do something similar with SPAXX at fidelity but you lose around 20 bp ATY due to their higher expense ratio. If you want to stay at ML, then buy TTTXX or a tras
Another approach is to set up an M1 account with a few grand in the settlement account and the rest set to smart transfer to USFR/SGOV. You can keep a larger percent of your balance in ETFs compared to the above strategy. Downside is that M1 will charge you a $3/mo fee if you even go below $10k, and M1 may go under at some point and it may take a while for you to access your funds.
Aside from M1, no one offers an automatic investment service because everyone wants to make money off your otherwise-fallow cash.
Forty-Bot
test flair please ignore
18d ago
maryland reduced to baltimore rump
based based based
I first listened to A Grand Don't Come for Free by The Streets a while back, but it never made it onto my regular rotation due to how heavy it is. Listened to Original Pirate Material the other day and like it a lot. The beats are extremely clean and his lyrics are dense and interwoven.
Also listened to Overmono's new album, but I have to agree with the general sentiment that it's just not in the same ballpark as Good Lies.
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