[rllin]

Responding in general to the meme of "but what is your time worth?"

people often underestimate their ability to change their own utility functions. If you're watching 4 hours of TV every night (or reading or w/e other "mental recharge" activity) simply change your utility function to let financial planning "recharge you."

The ultimate arb is changing your own utility function.

Obviously this may be harder or easier for some people, but it's a very learnable skill.

[ThrustVectoring]

At that point, why not change your utility function to enjoy simply sitting there thinking about how happy you are?

Don't do wireheading, kids.

[pjc50]

>simply change your utility function

... how?

[grenoire]

First you have to take an introduction to neo-classical microecomics class... and then not delve any deeper into economics whatsoever. This will lead you to believe, as OP does, and as such give you the ability to change by the means of your belief!

[sushid]

I realize your post is in jest but I can't help but wonder if the parent comment is also a Randian parody or not

[grenoire]

Jesting jesters trolling trolls jesting je...

[briffle]

Not sure for treasury bonds, but many banks/credit unions will ladder your CD's for you, and continue to do it unless you say stop.

[jterenzio]

Automated CD ladders are great too. The only issues are if you need to liquidate in an emergency you take a bigger hit, and you owe state tax but in general they can be good enough for many people.