SGOV
iShares 0-3 Month Treasury Bond ETF
stock NYSE ETF

I did basically the same thing and just parked it in SGOV while I figure shit out. I may even buy back into the same positions but I’m up more than I ever dreamed I would be and don’t want to fuck it up.

I also use Fidelity!
I actually keep several accounts there. 401k, Roth IRA and then I have several brokerages to keep accounts for various savings buckets and use SGOV for my "HYSA" and drip into VTI
Idk if OP lives in a high tax state but I do, so SGOV it is.

there’s a trick: treasuries win mainly because of the state‑tax exemption. since you said you have no SALT that edge is gone, so you’re really comparing raw yields. in that case a short‑term corporate bond fund that fits your risk tolerance can easily beat SGOV after tax. just remember check for call risk – a newer GS10 call in 2027 could drag your yield down if rates fall. a 1–2 year Treasury ladder with a corporate bond slot in the middle is a solid mix for a 3–5 year sinking fund.

SGOV is good. Consider VTEAX though there is some risk to offset Federal tax exemption

Two trading rules:
1. Sell QQQ puts.
2. Buy shares of SGOV.
List of Things Not To Do:
1. Buy shares of any company or ETF that is not SGOV.
2. Buy or sell call options.
3. Buy or sell futures.
4. Sell puts on any financial entity that is not QQQ.
5. Use margin.
Your goal at the end of the trading day is to have as little cash in your account as possible. All cash is converted to SGOV at the end of the day.
It's difficult to buy those tempting shares of NVDA at 230 (which you are sure will go to 250, but then drop to 200) when your account has very little cash. You can't do the dumb ass Yolos that blow up accounts when you have no cash. You can't engage in the List of Things Not To Do.
Rule #1 does involve sometimes buying QQQ puts: sometimes buying puts against the QQQs to turn naked puts into spreads, or starting the trade against the QQQs as a spread, or a ratio spread. You spend each trading day legging in and out of put spreads in the QQQs.
You sometimes want to turn a spread into a naked put. Selling a put that you bought in a spread for a profit is a gift: it is the market's way of making the overall trade that much more profitable.

Plenty real. My strategy:
My two trading rules:
1. Sell QQQ puts.
2. Buy shares of SGOV.
If you make these your two rules as a trader, you too are almost guaranteed to make money.
List of Things I Do Not Do:
1. Buy shares of any company or ETF that is not SGOV.
2. Buy or sell call options.
3. Buy or sell futures.
4. Sell puts on any financial entity that is not QQQ.
My goal at the end of the trading day is to have as little cash in my account as possible. All cash that I make during each trading day from buying and selling QQQ puts is used to buy more SGOV.
What's great about keeping as little cash in my account as possible is that it makes it very hard to engage in the List of Things I Do Not Do. It's difficult to buy those tempting shares of NVDA at 230 (which you are sure will go to 250, but then drop to 200) when your account has 23 dollars in cash.
Another advantage of the QQQs is their tendency to consistently just go up. Pull up a chart of the QQQs and compare it to just about any individual stock. Of course, if the QQQs do go down, just roll your puts out in time.
Rule #1 does involve sometimes buying QQQ puts: sometimes buying puts against the QQQs to turn naked puts into spreads, or starting the trade against the QQQs as a spread, or a ratio spread.

This is good advice. Happy with my large investment in SGOV, though I’ve had to peel a bit off of late as life is getting expensive. Holding SGOV inside and outside of retirement accounts.

Sounds like a short-term corporate bond fund would make sense. Yields are significantly higher than SGOV. Share prices will fluctuate a bit when interest rates go up or down, but you will almost certainly come out ahead over 3-5 years.
ETFs: VCSH, SCHJ, IGSB, or SPSB (currently yielding ~5.2%)
When you get ~1 year out from needing the money, you could move it to ICSH, PULS, or just a HYSA.

Rolling cash into SGOV lowers your margin amounts

T-bills or if you think that the market basket ((ie sp500, qqq, djia, etc…) are lower volatility than your single stocks then dump money in those ETFs while you wait for the right purchase price. Personally I just let it sit in SGOV. It's not earning as much as it would in SPM for example, but I'm okay with that. It depends on you specific needs.

The Cash Plus account doesn't need to exist. You'd be very off in USFR/TFLO during rising rate environments like the present, and VBIL/SGOV in falling rate environments.
Unlike bank deposit products, these are exempt from state income taxes, too, which many people forget to discount these bank deposit products by for a fair comparison.
You can see the current compound rates of all the popular MMFs and MMF-like ETFs in the MMF Yields tab of my [rebalance calculator](https://invest.mcawesome.org/).

So your math:
Acct value is $27k, you say 10% ($2,700) is in cash and that's 2 years of RMDs so your current divisor is around 20 and your annual RMD is $1,350.
I don't think it's necessarily a bad idea to keep 2 years worth of cash, but sweep accounts are usually low interest. If you are not getting over 3% in the sweep account, I'd put the cash in SGOV, even though we're really talking about a smallish amount of money so it won't make a huge diff.
I think the allocation of 60/30 VOO and SCHG is fine, nothing really to argue about there.
Only thing I'd say is that if I'm correct about the RMD divisor currently being around 20, don't forget you have to empty the account by the end of year 10.
So if you're taking small RMDs, the account value could easily still be worth $27k or more in 10 years and if you've only been taking the statutory RMD amount in years 1 - 9, you'll have $27k+ dumped in your lap in year 10. Could have some tax consequences, but they probably won't be awful.

So you think stick with SGOV over something flight different like FLOT?

SGOV/VBIL/VUSXX are all cash equivalents and suitable for this purpose. If you want to be more adventurous you could look at noncompetitive Treasury Auctions which you can do at Vanguard/Fidelity/Schwab. I personally have 52-week Treasury Bills rolling over once a month; if I needed the money, I could stop reinvesting and it would come in every month. It seems complicated but makes sense once you get the hang of it. Of course, the further out you go beyond cash (2-year treasury note, 3-year treasury note) you risk losing principal if you need the money back early and interest rates go even higher. With a direct bank CD there is a defined early redemption penalty but with marketable securities it will drop however much it takes for the yield to be competitive.

I'm still dripping $5K a month (avg). Most free cash, from options trading, is going to a money market mutual fund, SGOV and ICSH. I'm also building longer duration bond positions in BINC and PYLD. I did add to my MS and RF positions as financials are beat down.

Fair points. I was putting my e fund into t bill ladders but ultimately changed to SGOV to avoid the headache for the small difference. But thanks for clarifying.

I’m not feeling this pullback is severe enough to jump in with further investment. Also, I’m not selling anything in anticipation of a 30% market crash. My SGOV holdings generate approximately 4k every dividend and I do roll all dividends into SPMO & GARP. If the market would crash I would shift SGOV to VTI.

I upvoted you because I think you're answer is correct. My specific recommendation is SGOV because it's an ETF, which means it can be traded during the day, but if trading is not that important, the mutual funds you mentioned will work fine.
People probably downvoted you because Schwab doesn't have an automatic sweep account like Fidelity. That's a drawback, but I don't think it's a big drawback if you know what you're doing.

Just click the mouse a couple times and put it in SGOV

First rule of windfalls: first, do nothing. Since you know your windfall date a month early you can’t do anything but plan, so you have successfully accomplished this step already. Congratulations.
Forget the midterms; either something will happen or it won’t. Either that will work in your favor or not. There may be an October surprise before your payout date, or everything will change after the election, or it will be more of the same. We’re overdue for a correction, which doesn’t mean a correction is on the horizon. Nothing you can do about that.
The next big decision is lump sum vs DCA. In the long run, lump sum wins about 2/3rds of the time (iirc). Which at 75 is not anything you should care about; you aren’t trying to win, you’re trying to not lose. Preservation and income are your goal, not max growth. Plus you are risk averse. DCA into a conservative allocation is probably the right choice for you.
Conservative means bonds for stability and equities for inflation. So the third decision is your target allocation at the end of the DCA, and how quickly you will get there. Decide where to hold the funds in the meantime. I’d go with a MMF but an HYSA or something like SGOV is not wrong. Anything safe and liquid with a yield.
For the bonds, decide on funds vs nominals vs a mix. I prefer funds (reddit hates funds), but a ladder for at least the first few years will provide greater stability if that is a priority. Bonds are getting weird lately.
You want to avoid making a bad decision based on current events. The way to do that is to make a plan, write it down, and execute. You can even include contingencies - if X% market crash, then plan B. That still counts as staying the course because you made that decision with a level head, not while actively panicking.