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Reply to "Savings of 2K, better spot than checking"
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[quote=Anonymous]I try to keep $5,000 in my checking as my baseline. Every month, I shift $ over $5,000 to a high-yield savings account. Every quarter, I assess whether I should allocate the "extra" money in the high-yield savings account to an extra expense (such as a semi-discretionary home improvement project), invest it, or keep it in "emergency" savings. OP, are your bills and paychecks really (ever) a surprise? Such that you couldn't transfer money from a high-yield savings account to cover them? That's how I handle a month with unusually high expenses. [/quote]
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