I am a huge fan of series I bonds, and I suggest you become one as well. You can only buy $10,000 per person per year in them, and you can get up to $5,000 more in your tax return. Still since they are guaranteed to be over inflation, you can’t really lose. There are some limitations, but I think they are outweighed by their value. The key part is to buy and hold them for at least 5 years. Then if you need the money, you can take it penalty free. For me, they are part of my long term emergency fund. I am trying to build money there, in stocks, in my 401k/IRA accounts, and in multiple other venues to keep diversified. This is just another part of my strategy.
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