~$20k sitting in our checking account
~$20k sitting in our checking account My partner and I have a joint checking account with around $20,000, sometimes up to $25,000 or $27,000 depending on our budget. We live in the suburbs of the SF Bay Area, have no children, and our combined household income is stable. Our mortgage payment is $800 per month (refinanced during covid) For the past three years, the money in our accou...