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Is 18 months of emergency savings way too risk averse?
Is 18 months of emergency savings way too risk averse? I've become increasingly risk averse this year and I currently have 18 months of emergency runway saved up. Half of it is in a CD gathering 4.8% interest, a quarter in a HYSA at 4.25%, and a quarter still sitting in I-bonds at the last bi-annual rate (forgot but it's 6.x%). I feel like it's money not put to good use but it gives me mental satisf...
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