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Reply to "Emergency accounts — all cash?"
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[quote=Anonymous]Interest rates for HYSA are slow to rise and quick to fall. What about keeping 3 months in a HYSA and laddering the rest? So an additional 3 months worth of expenses in a 3 month CD and the remainder in a 6 month CD. The you can access money if you need it, but you guarantee a 4+% interest rate, at least for the next 6 months.[/quote]
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