Reply to Where to put emergency fund money?

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[quote=Anonymous]We sort of spread things around:
1. We keep around 1k in cash at home for true immediate emergencies as well as a number of high limit credit cards on which we never carry a balance.
2.We keep a 2k cushion in our checking account so autopay mistakes etc. don't give us a headache/create fees but also available in a pinch on a moment's notice.
3. We keep 10k at Ally bank at 2.2% interest--it's easy, consistently has good rates, FDIC insured.   
4. We maintain 30k in a vanguard prime mm brokerage account.  This is for purchasing securities as we find good options, but also a secondary emergency fund.  We replenish it to 30k after securities purchases asap.
5. We buy 10K of Ibonds each year as part emergency fund/part inflation hedge--very close to 3% right now I think.  
6. We have cd's with varying terms for specific intended purchases/sinking funds that could be tapped.
7.  We have short term bond investments in our investment portfolio that could be used as well--not very volatile.

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