>Money market/treasuries (even ETF like SGOV) gets pretty close to 5% when typical savings rate is a bit under

???

30 Day SEC Yield as of Aug 24, 2026: 3.61%

12m Trailing Yield as of Aug 24, 2026: 3.74%

https://www.ishares.com/us/products/314116/ishares-0-3-month...

1.39% might not seem like a lot, but that's off by more than a quarter.