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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 it depends a little on how your retirement funds are invested. If you were all stock in retirement funds and you think $50k of the HYSA is really long term savings then your long term asset allocation is close to 90% stock which is reasonable. Or you could start putting up to $20k a year into ibonds. I like ibonds for this kind of money you might need but might not need because they are 1) tax-deferred, 2) very liquid after the first year, and 3) guaranteed to keep up with inflation (and never lose money; in practice that means they usually do a bit better than HYSA). It’s nice to have some inflation-indexed investments so putting $50-60k there is a way you can both feel good about saving long term but not be worried about losing money or difficulties accessing the money (after 12 months). [/quote]
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