How much emergency fund cash do you have?

[Anonymous]

Anonymous wrote:I have $70K and it is sitting in my savings account, earning next to nothing.

Should I put it somewhere else? I want it immediately accessible. Where it is now, I can transfer it to checking with a few clicks.

same here but the amount is twice as much. I'm hesitant to invest now market seems high (maybe but who knows). Plan to invest some next year if pull back. So much lost interest, my fault.

[Anonymous]

10K and I wish it was more but we are a 100K household and can't afford to save a penny more.

[Anonymous]

Anonymous wrote:

Anonymous wrote:You have $70,000 sitting in liquid cash?

It's mostly in a conservative Vanguard account making a decent return, but liquid. Part is in FDIC insured account, but I can't justify doing much since it makes so little interest.

The amount is based on an estimate of reasonable living expenses for X months if we were both to lose our jobs. We would also use it for medical emergencies, etc. We save separate amounts for house-related expenses/emergencies (e.g., replace furnace, etc.)

Okay, that makes more sense to me.

[Anonymous]

It's mostly in a conservative Vanguard account making a decent return, but liquid.

What kind of account?

[Anonymous]

Anonymous wrote:

It's mostly in a conservative Vanguard account making a decent return, but liquid.

What kind of account?

Liquid but decent return? Please share

[Anonymous]

$65K cash. I don't know our investment account balances offhand, other than my own 401K.

[Anonymous]

Anonymous wrote:$300,000. My husband is commission based and I do not want to be caught off guard and have to liquidate savings.

most people would think of $300,000 as savings.

[Anonymous]

82K.

[Anonymous]

$120,000. Lots in stock market but want cash because husband's income isn't always stable.

[Anonymous]

$100k in a Fidelity account. About $3k of that I could transfer immediately to my bank account. We recently took out $24k to pay off a car loan. It took 2 days for them to sell what they needed to and transfer the money to my bank and pay it off.

[Anonymous]

O

[Anonymous]

We had 90k and thank god we did. We had two rather significant emergencies and spent it all, had to with no choices. Now we have next to nothing, but the 90k cash SAVED us

[Anonymous]

I'd like to have six months worth of savings but right now I have about 20 bucks.

[Anonymous]

30k

[Anonymous]

98K