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Reply to "I did it! I finally have six months of savings in an emergency fund!"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]We gave up on this once we realized it would be $90k locked up in cash. Most of you are much more wealthy than us, are you really tying up $300k in HYSA?[/quote] This. Invest it you idiots. Bread index funds. Global ones now like VXUS or VWO. You can make 15% a year.[/quote] You don’t understand the concept of emergency funds. [/quote] Really what are the chances you will be laid off AND immediately the stock market crashes? Thats the scenario where you need EF in cash equivalents. It made sense back when trading stock cost $10 a pop, because converting equity to cash had high transaction costs. [/quote]
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