VBIL
Vanguard 0-3 Month Treasury Bill ETF
stock NASDAQ ETF

While you're mining pocket any precious metals you can without your overseer knowing, take them to a precious metals dealer, exchange for cash, take the cash and go to the casino, put it all on black and spin the wheel doubling your money, take that money and put it into $VTI. Get some $VGT on tech pull back. Any emergency money you're saving put into $VBIL. Turn dividend reinvestment on. Fall in love. Get heart broken. Grow as a human through the pain. Hit rock bottom. Heal. Find relationship harmony emotionally, physically, intellectually, and spiritually with a new partner.
Hopefully the mines weren't figurative when you posted or this response wouldn't make any sense.

just buy VBIL, they ladder the T-bonds for you. Buy and sell whenever you want

\- VT in Roth.
\- BND/BNDX go in Trad IRA.
\- VTI/VXUS in Taxable Brokerage.
\- Money market / VBIL (as emergency fund) in Taxable Brokerage.
\- Varied in 401k, as necessary to fulfill my asset allocation needs

Yup. I have my emergency fund in VBIL (the Vanguard equivalent).

Bond funds buy and sell bonds on the secondhand market, making them subject to interest rate risk. When rates go up, the resale value of existing bonds drops because new bonds have higher yield. When rates go down, the resale value of existing bonds goes up because it would take more new bonds with lower yield to produce the same value as the old bonds with higher yield.
Rhe longer the duration of the bond, the more it is affected by interest rate risk. 4-week T-bills have the least rate risk, and 30-year have the most rate risk.
Interest rates seem high right now, but between the tariffs, trade wars, multiple real wars, out of control spending, rising inflation, several countries managing debt crisis, and top it the crazy stuff happening in the corporate debt market, the market conditions are all pushing rates higher, meaning any bond funds you buy today are likely to *lose* NAV over the next year or two.
SGOV and VBIL ETFs hold 0-3 Month US Treasury bills and will lose something like a single cent the month rates go up, but will more than male up for it with a single day's yield, and within 3 months, will adjust to yield the new rates. If rates go down, NAV will appreciate a cent or two, but it would be hard to notice compared to the yield, which will remain higher for a couple months.
USFR holds floating rate notes, which will adjust weekly, essentially eliminating the risk of rate increase. Good to hold if you think rates will go up.

Just do VOO. like Warren buffet said. Keep it simple work 90% VOO and 10% VBIL. Or replace the VBIL with 10% SCHD so you get growth 

sold house. SCHD and VBIL. watching the market gone wild

Open a taxable account. Place most of your money there, keeping just enough money in a readily accessible HYSA to cover immediate expenses.
Your emergency fund can go into a MMF or something like VBIL. The rest should be invested like normal. Consider a typical 2-fund portfolio of VOO + VEU or VTI + VXUS. Add bonds or other strategic holdings at a later date. VT is an acceptable replacement for VTI + VXUS if you are OK with natural market weighting and want to set it and forget it.

While you're mining pocket any precious metals you can without your overseer knowing, take them to a precious metals dealer, exchange for cash, take the cash and go to the casino, put it all on black and spin the wheel doubling your money, take that money and put it into $VTI. Get some $VGT on tech pull back. Any emergency money you're saving put into $VBIL. Turn dividend reinvestment on. Fall in love. Get heart broken. Grow as a human through the pain. Hit rock bottom. Heal. Find relationship harmony emotionally, physically, intellectually, and spiritually with a new partner.
Hopefully the mines weren't figurative when you posted or this response wouldn't make any sense.

just buy VBIL, they ladder the T-bonds for you. Buy and sell whenever you want

\- VT in Roth.
\- BND/BNDX go in Trad IRA.
\- VTI/VXUS in Taxable Brokerage.
\- Money market / VBIL (as emergency fund) in Taxable Brokerage.
\- Varied in 401k, as necessary to fulfill my asset allocation needs

Yup. I have my emergency fund in VBIL (the Vanguard equivalent).

Bond funds buy and sell bonds on the secondhand market, making them subject to interest rate risk. When rates go up, the resale value of existing bonds drops because new bonds have higher yield. When rates go down, the resale value of existing bonds goes up because it would take more new bonds with lower yield to produce the same value as the old bonds with higher yield.
Rhe longer the duration of the bond, the more it is affected by interest rate risk. 4-week T-bills have the least rate risk, and 30-year have the most rate risk.
Interest rates seem high right now, but between the tariffs, trade wars, multiple real wars, out of control spending, rising inflation, several countries managing debt crisis, and top it the crazy stuff happening in the corporate debt market, the market conditions are all pushing rates higher, meaning any bond funds you buy today are likely to *lose* NAV over the next year or two.
SGOV and VBIL ETFs hold 0-3 Month US Treasury bills and will lose something like a single cent the month rates go up, but will more than male up for it with a single day's yield, and within 3 months, will adjust to yield the new rates. If rates go down, NAV will appreciate a cent or two, but it would be hard to notice compared to the yield, which will remain higher for a couple months.
USFR holds floating rate notes, which will adjust weekly, essentially eliminating the risk of rate increase. Good to hold if you think rates will go up.

Just do VOO. like Warren buffet said. Keep it simple work 90% VOO and 10% VBIL. Or replace the VBIL with 10% SCHD so you get growth 

sold house. SCHD and VBIL. watching the market gone wild

Open a taxable account. Place most of your money there, keeping just enough money in a readily accessible HYSA to cover immediate expenses.
Your emergency fund can go into a MMF or something like VBIL. The rest should be invested like normal. Consider a typical 2-fund portfolio of VOO + VEU or VTI + VXUS. Add bonds or other strategic holdings at a later date. VT is an acceptable replacement for VTI + VXUS if you are OK with natural market weighting and want to set it and forget it.

VBIL is the better choice depending on OP’s state income tax situation. VBIL avoids repos entirely and invests directly in T-bills, achieving 100% state tax exemption.

CDs are fine but I don't like the lock in.
Much more ergonomic to by a US treasuries ETF like sgov or VBIL. Or short term gov bond ETF like SCHO if you can stomach slightly longer duration. The ETFs continually have old bonds mature and new bonds rolling in, so the rate is always changing, you're riding the average of short term rates whatever they are.
Overall rates should be in the same ballpark as a short term CD. But no early sell penalty.

\> The interest from SGOV is exempt from state taxes — so its effective yield rivals most top tier HYSAs.
you forget the point that what makes sense is a SUB \[ one time bonus \] + promo rate for a certain timeframe and that will beat SGOV / VBIL / VUSXX / etc for most people