I’m going to trial a FIRE year in 2027 and take a year off work. We are moving cross country and I have a large amount of cash allocated to build a new home. I cannot take risks or invest this cash. Problem is I would like to earn a return on this cash (approx $1 million). Without working and minimal investment income I can get a dirt cheap ACA healthcare plan for my wife and I. However if I earn 4-5% in conservative t-bills I’ll give it almost all back in health insurance costs. Any ideas how to generate a safe yield in a tax-deferred manner? Only thing I can think of is buying BOXX and holding until 2028. Problem is I might need the money in late ‘27 and I’m not sure I want to put a huge amount of money into that particular instrument. It hasn’t been stress-tested in major market dislocations. -Structure7646
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