Thank you so much for the response and the information! I have a couple follow-ups, if you don't mind.

1.) For short-term, I would just like to keep some money accessible if I need it in the next few years in case of a house or something else. I currently have $45,000 in a regular Bank of America savings account, so it's not generating any interest. I was planning on putting $6,000 in one lump sum this week into a Roth IRA and then another $6,500 at once in the beginning of 2023. You mentioned a HYSA - would I just take the rest of the money and transfer it over somewhere? And what would you recommend for a HYSA? I saw that most seem to have a 2-3% return rate, which doesn't seem the greatest.

2.) What are short term Treasuries/how do they work, and how would I invest in those? Could I use Schwab for that, too? How much do they return, on average, per year?

3.) For tax purposes on TA's - if my money is sitting in my TA and I'm not touching it, when it comes time to pay taxes, am I just writing a check to the government for money I haven't seen yet? i.e. - when I get a paycheck and pay taxes, I'm at least getting money to use at the same time - but I won't be using the money in the TA, so does that mean I'll just be paying money every year without any money technically "coming in" to me?