Treasury Portfolio Generates $617 Monthly for Groceries and Bills

A $185,000 portfolio invested in Treasurys with a blended yield of 4% produces $617 monthly, sufficient to cover recurring expenses like groceries, utilities, and phone bills. Current Treasury yields include 3.99% for the 52-week T-bill and 4.4% for the 10-year Treasury as of June 24, 2026. The strategy relies on a T-bill ladder that excludes rent and healthcare and may face diminishing income if rates decline further, having already decreased by 0.75 points over the past year. Household expenses rose annually, with the Bureau of Labor Statistics reporting average expenditures at $78,535 in 2024, highlighting the ongoing need for reliable income streams.