Most are above 4%: https://www.fool.com/the-ascent/banks/the-highest-savings-ac...

You are spamming a wrong fact. "Most" are not above 4%, a few are.

cool. it takes like 15 minutes to sign up for one such as say https://www.viobank.com/ or https://www.baskbank.com/ which are both above 4.5% ... it doesn't have to be "most" just yours.

Park 250k in there and you're getting over $950 a month right now. Spread those chunks around multiple banks, assuming you have those chunks, and you'll have a decent modest income while these rates last.

And yes, I'm doing exactly this and no, I don't have a day job right now and yes, my overall holdings are still going up. This is an unusually good time to be holding cash.

Also I know the trivial inflation arguments about how I'm hypothetically losing purchasing power. But again I don't need hypothetical things to be bought, just mine.

Right now it's covering my bills and the number is still rising. This strategy is subject to change without notice.

If inflation is above the savings yield no matter what the particular values are, you're still losing purchasing power.