A $185,000 portfolio generates $617 monthly
A $185,000 investment in Treasurys at a 4% yield produces $617 per month, sufficient to cover groceries, utilities, and phone bills.
The 10-year Treasury yield is 4.4% as of June 24, 2026, with the 52-week T-bill yielding 3.99% and the 26-week bill yielding 3.95%.
Average annual household expenditures were $78,535 in 2024, up from $77,280 in 2023 and $72,973 in 2022, according to the Bureau of Labor Statistics.
The strategy provides consistent monthly cash flow but excludes rent, healthcare, and insurance, with income shrinking if rates fall, having already dropped 0.75 points over the past year.