THM Wealth Management

Boost yields with a cash management system. Maintain 3-6 months of bills in checking for regular expenses. Link a FDIC-insured high yield savings accounts (HYSA) offering a 2%+ yield to your checking account. Look for HYSA's with no fees, no minimum balance requirements, unlimited deposits and 6+ withdrawals per month; this is a reserve account not a checking account!
The US Treasury Direct website offers i-bonds with very good yields given the current rising interest rate environment. Know the purchase and redemption features of i-bonds.
Don't forget those cash value life insurance policies you purchased or given to you by your parents. They offer better-than-bank yields and tax-deferred.
When all reserve layers are prudently funded, consider a portfolio of tax-free municipal bonds, mutual funds or ETF's along with dividend paying stocks from quality companies with a history of consistently paying, and growing dividends.

JP Morgan Asset Management published that the average bull market return since July, 1926 is 162%, averaging 51 months in duration. From peak-to-trough, the average bear market return is -41% since July, 1926, lasting 20 months in duration. The bulls have been winning!