| Month | US Treasuries | CF2M Portfolio | Gross Total | Interest | Net Cash Flow |
|---|---|---|---|---|---|
| Apr 2026 | $56,200 | $166,879 | $223,079 | -$46,042 | $177,037 |
| May 2026 | $789,730 | $166,879 | $956,609 | -$46,042 | $910,567 |
| Jun 2026 | $6,800 | $482,990 | $489,790 | -$46,042 | $443,748 |
| Jul 2026 | $0 | $166,879 | $166,879 | -$46,042 | $120,837 |
| Aug 2026 | $420,210 | $166,879 | $587,089 | -$46,042 | $541,047 |
| Sep 2026 | $7,224 | $482,990 | $490,214 | -$46,042 | $444,172 |
| Oct 2026 | $56,200 | $166,879 | $223,079 | -$46,042 | $177,037 |
| Nov 2026 | $789,730 | $166,879 | $956,609 | -$46,042 | $910,567 |
| Dec 2026 | $6,800 | $482,990 | $489,790 | -$46,042 | $443,748 |
| Jan 2027 | $459,870 | $166,879 | $626,749 | -$46,042 | $580,707 |
| Feb 2027 | $0 | $166,879 | $166,879 | -$46,042 | $120,837 |
| Mar 2027 | $15,970 | $482,990 | $498,960 | -$46,042 | $452,918 |
| ANNUAL | $2,608,734 | $3,266,996 | $5,875,730 | -$552,500 | $5,323,230 |
| Account | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Jan | Feb | Mar | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RAJR x6201 | 8,250 | 30,630 | 0 | 0 | 0 | 0 | 8,250 | 30,630 | 0 | 0 | 0 | 0 | $77,760 |
| Carlos x3787 | 0 | 6,380 | 0 | 0 | 13,210 | 0 | 0 | 6,380 | 0 | 0 | 13,210 | 0 | $39,180 |
| ESP x2939 | 17,530 | 344,650 | 3,040 | 0 | 280,040 | 6,010 | 17,530 | 344,650 | 3,040 | 0 | 319,700 | 15,970 | $1,352,160 |
| Trust x3622 | 17,530 | 232,380 | 1,880 | 0 | 54,510 | 634 | 17,530 | 232,380 | 1,880 | 0 | 54,510 | 0 | $613,234 |
| Quarantine x5377 | 12,890 | 175,690 | 1,880 | 0 | 72,450 | 580 | 12,890 | 175,690 | 1,880 | 0 | 72,450 | 0 | $526,400 |
| TOTAL | 56,200 | 789,730 | 6,800 | 0 | 420,210 | 7,224 | 56,200 | 789,730 | 6,800 | 0 | 459,870 | 15,970 | $2,608,734 |
| Ticker | Monthly | Annual |
|---|---|---|
| JFR | $23,526 | $282,313 |
| TSLY | $22,606 | $271,275 |
| MSTY | $20,094 | $241,134 |
| NVDY | $17,583 | $210,992 |
| CONY | $15,071 | $180,850 |
| PDI | $14,226 | $170,706 |
| JEPQ | $11,931 | $143,173 |
| QYLD | $9,042 | $108,510 |
| PTY | $8,468 | $101,610 |
| XYLD | $7,535 | $90,425 |
| PFF | $5,794 | $69,523 |
| JEPI | $5,426 | $65,106 |
| PFFD | $4,849 | $58,185 |
| DGRW | $729 | $8,750 |
| TOTAL | $166,879 | $2,002,552 |
| Ticker | Quarterly | Annual |
|---|---|---|
| BXSL | $82,812 | $331,247 |
| BIZD | $75,095 | $300,381 |
| MORT | $53,929 | $215,717 |
| MLPA | $34,401 | $137,605 |
| REM | $33,150 | $132,598 |
| AMLP | $33,078 | $132,313 |
| SCHD | $3,646 | $14,583 |
| TOTAL | $316,111 | $1,264,444 |
4 months have significantly lower cash flow because Treasury maturities are clustered in May/Nov/Aug/Jan, leaving February, April, July, and October with little to no Treasury income. The range swings from $121K to $911K — a 7.5× gap.
| Lean Month | Current Net | Target (Avg) | Gap to Fill |
|---|---|---|---|
| ⚠️ February | $120,837 | $443,603 | $322,766 |
| ⚠️ April | $177,037 | $443,603 | $266,566 |
| ⚠️ July | $120,837 | $443,603 | $322,766 |
| ⚠️ October | $177,037 | $443,603 | $266,566 |
| Total Annual Gap | $1,178,664 | ||
When T-bills mature in heavy months, reinvest into staggered durations (2, 5, 8, 9 month T-bills) that mature in the lean months. After one full 12-month cycle, cash flow flattens from $121K–$911K to $322K–$638K. Same $5.32M annual — just smoother delivery.
| Action | Buy | Duration | Matures In | Purpose |
|---|---|---|---|---|
| 🔵 Buy T-Bills | $200,000 | 2-month | July 2027 | Fills July gap |
| 🔵 Buy T-Bills | $200,000 | 5-month | October 2027 | Fills October gap |
| 🔵 Buy T-Bills | $200,000 | 9-month | February 2028 | Fills February gap |
| 🔄 Roll | $190,000 | 6-month | November 2027 | Maintains Nov cycle |
| Action | Buy | Duration | Matures In | Purpose |
|---|---|---|---|---|
| 🔵 Buy T-Bills | $200,000 | 6-month | February 2028 | Reinforces Feb |
| 🔵 Buy T-Bills | $200,000 | 8-month | April 2028 | Fills April gap |
| 🔄 Roll | $20,000 | 12-month | August 2028 | Maintains Aug cycle |
| Action | Buy | Duration | Matures In | Purpose |
|---|---|---|---|---|
| 🔵 Buy T-Bills | $200,000 | 5-month | April 2028 | Reinforces April |
| 🔵 Buy T-Bills | $200,000 | 8-month | July 2028 | Reinforces July |
| 🔵 Buy T-Bills | $200,000 | 11-month | October 2028 | Reinforces October |
| 🔄 Roll | $190,000 | 6-month | May 2028 | Maintains May cycle |
| Action | Buy | Duration | Matures In | Purpose |
|---|---|---|---|---|
| 🔵 Buy T-Bills | $200,000 | 1-month | February 2028 | Extra Feb boost |
| 🔵 Buy T-Bills | $200,000 | 9-month | October 2028 | Reinforces October |
| 🔄 Roll | $60,000 | 12-month | January 2029 | Maintains Jan cycle |
| Month | Year 1 Treasuries | Year 2 Treasuries | Year 1 Net | Year 2 Net | Improvement |
|---|---|---|---|---|---|
| Apr | $56,200 | $201,000 | $177,037 | $321,837 | +$144,800 (+82%) |
| May | $789,730 | $301,000 | $910,567 | $421,837 | -$488,730 (redistributed) |
| Jun | $6,800 | $201,000 | $443,748 | $637,837 | +$194,089 |
| Jul | $0 | $201,000 | $120,837 | $321,837 | +$201,000 (+166%) |
| Aug | $420,210 | $201,000 | $541,047 | $321,837 | -$219,210 (redistributed) |
| Sep | $7,224 | $201,000 | $444,172 | $637,837 | +$193,665 |
| Oct | $56,200 | $201,000 | $177,037 | $321,837 | +$144,800 (+82%) |
| Nov | $789,730 | $301,000 | $910,567 | $421,837 | -$488,730 (redistributed) |
| Dec | $6,800 | $201,000 | $443,748 | $637,837 | +$194,089 |
| Jan | $459,870 | $201,000 | $580,707 | $321,837 | -$258,870 (redistributed) |
| Feb | $0 | $201,000 | $120,837 | $321,837 | +$201,000 (+166%) |
| Mar | $15,970 | $201,000 | $452,918 | $637,837 | +$184,919 |
| ANNUAL | $2,608,734 | $2,612,000 | $5,323,230 | $5,326,496 | ≈ Same |
Year 1 (Current)
Floor: $121K
Peak: $911K
Range: 7.5× spread
Year 2 (After Laddering)
Floor: $322K ↑ +166%
Peak: $638K
Range: 2× spread ↓ 73% tighter
💡 Key insight: No extra capital required. Same $2.61M in Treasuries, same $5.32M annual net. Just smarter maturity scheduling. Every month stays above $320K net.