Seniors

and you can withdraw any time without penalities. Effectively earns interest daily.

There are are solid stocks with real assets that pay 8% annual divs but they are mostly oil and cigarettes, ugh: MO, ET, PAA, etc.

You say $10k on $300K so that is only 3.33%. T-bills and CDs would do that with 100% and peace of mind. Could have some longer term ones in the mix because rates will be cut at some point.

My favorite income investment is still QYLD -- covered calls on NASDAQ stocks. Pays 1% per month (which makes the math super easy, eg $300K = $3,000/mo). The trick on that one is to use a stop loss to avoid dips and then wait for the market to bottom before buying it back cheaper. Degree of difficulty: moderate Risk: moderate Similar ETFs with tax advantages: SPYI, QQQI

Some mix like 30% CLIP, 30% T-bills and 40% QYLD with a stop loss would be my own path in your situation but consult someone you trust and stay within the investments you understand well. Good luck!