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Treasury bills

technique

1 creator use or recommend it

1 use 2 mention
Last discussed Sep 28, 2026

Short-term U.S. government debt securities with maturities of one year or less, offering low-risk returns currently competitive with many savings accounts.

What creators say

NM
Used for: Saving for a home down payment while avoiding high mortgage rates Praised: Competitive yield without market risk; suitable for short-to-medium-term savi... vs: Used instead of taking on a 6.5-7% mortgage

"Because of where rates are, I'm basically over-saving in Treasury bills to eventually buy a home — either a big down payment or mostly cash in a few years — because I don't want to borrow at 7%."

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Chris Koerner
mentioned
Used for: Parking 0% interest credit card funds to earn interest while paying no interest on the debt vs: Mentioned alongside CDs as alternative low-risk places to park borrowed capital

"Could someone theoretically go get a million dollars in 0% loans and just put them in treasury bills and then just pay it off?"

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Tom Bilyeu
mentioned
Used for: Safe-haven capital preservation yielding 4.75-5.5% while waiting for better buying opportunities Praised: Safe; still earns a return; provides optionality to deploy capital when asset... vs: Compared to holding stocks in an overvalued market; Berkshire's T-bill holdin...

"He's been building cash and shifting heavily into short-term US Treasury bills at a scale rarely seen in his portfolio. That kind of move usually shows up when cracks start forming in the economy before they're visible."

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