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Reply to "How much is too much in liquid savings - debate with husband. "
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[quote=Anonymous]I think 100K is too much. I like budgeting with buckets - targeted amounts for different uses. I do it with different savings accounts at my credit union - it's easy to do. What about setting a limit on the cash - 6 months expenses. That's your main untouchable bucket/account. THEN, what about setting up a "life happens" account. Set a target there - maybe it's 20K for you (given your husband's caution). You put a certain amount in life happens a month, and when you need a new hot water heater or whatever you have an account dedicated to thse stype expenses. I did pause on new HVAC. That's a big expense. So maybe you have another account (or dedicated amount in your life happens - another 20K or more?) for that big expense. When your husband sees specifically that these categories are covered he may be more able to see that a brokerage account is a smart strategy. [/quote]
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