Structuring your first T-Bill ladder 7 key tips for maximizing your first T-Bill ladder  Frequently Re-Forecast - Revisit your forecasts every few weeks or whenever a major event occurs to ensure your assumptions are still correct.v  Forecast w/ Buffer - Related to the above, when forecasting remember to add a buffer of at least 10% to avoid cash crunchesU  Mark your Calendar - Now that some of your cash is parked in semi-illiquid assets it cannot be directly used to pay bills. Mark your calendar to pull the needed working capital each month prior to it being reinvested.v  Return Variability - The return of the same-dated T-bill may vary from bank to bank or broker to broker, so it’s important to shop around to find the best rateU  Allocation - For most startups, air on the side of caution: park <50% of your cash in T-Bills that mature in 6+ months, and 50%+ in T-Bills that mature in >6 monthsU  Consider ETFs over T-bill Ladders - We’ve made the case once, and we’ll make it again— the time–savings, and peace of mind that T-Bill ETFs provide are well worth the opportunity cost of the minimal upsideU  Consider Treasury Management Platform - Rather than managing the Tbill ladder on your own, consider leveraging a treasury management platform, that automates the cash sweeping and investment process. If you’re looking for a partner to help walk you through the entire process, check out Arc Gold. It helps startups put their treasury management on autopilot, comes with up to $2.75M FDIC insurance, $500k of SIPC coverage, and pays up to 5.00% APY.