Where should I put $80,000 now?

Fidelity does sell those, and I get all my CDs through them. We also own I-bonds thru Treasury Direct. You can redeem them any time, but take a 3 month interest penalty in the first 5 years.

As mentioned earlier, a Fidelity Money Market is currently paying 5%.

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Bought my first Series I bond last year. Still find it a little confusing. So, keep for 5 years, minimum I guess. Unless an emergency.

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Depends on whether paying the last three months interest makes sense

Why? The google says under 9 hours.