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Reply to "How much is too much in liquid savings - debate with husband. "
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[quote=Anonymous]I like having cash. It's buying flexibility and peace of mind, IMO. There's more value to money than squeezing out every bit of potential return - I think if having that cushion helps your husband feel comfortable re: potential job loss it's worth it. We've got what feels like too much cash sitting too. Only we're hoping to move out west to a more expensive town in the next 3-7 years and with such a relatively short and squishy timeline I don't feel comfortable putting it in the market. Our mortgage rate is too good to pay off so my compromise is keeping the balance of our mortgage in cash and any interest it earns gets invested each month. And I also transfer an amount equal to our mortgage principal pay down to our brokerage so the cash cushion always matches the mortgage balance and some money is getting invested each month that way.[/quote]
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