[troydavis]

It shouldn’t be there long enough for yield to matter, so I don’t know why one would take on that complexity. Step 1, put it somewhere absolutely safe and fairly simple. Step 2, talk to someone and decide what to do with it longer term (which probably won’t be bank deposit or TIPS).

In step 1, the goal isn’t to keep pace with inflation because, for the few months required to do step 2, inflation doesn’t matter.

(My meta-comment is: spend the time you’d spend reading r/FatFIRE or asking HN on finding and talking with a planner instead. I assumed you just found out because, if it’s already been a few weeks, there’s no reason to still have this question. I don’t mean to offend you, but: a few hours with a professional who knows your specific situation will be more helpful than anything you’ll find online.)