Conflicted between larger emergency fund vs investing more in the market I’m fortunate enough to be able to max out my 401k and IRA. In addition to that I used to put everything else extra in the market. A few years ago I purchased a house and sold everything in my individual brokerage account towards the down payment. At that point I had a tiny e-fund so I started putting extra money towards that instead. Had to pul…

Throw $10k into Emergency fund or debt? Baby in 2 months, only have $5.5k in savings. $13k in debt at 7%, VHCOL, monthly income is $11k net and monthly expenses are about $7k including debt repayment. $20k in checking at the beginning of month. Thinking of putting $10k into HYSA then attacking debt after. Or should I put it towards the debt now? We will have help when baby is here an…

I have an unexpected ~$10,000 emergency expense. I can pay it, but I wouldn’t much left in emergency savings. Should I get a credit card? Hi, so I’ve only ever had two credit cards with different reward types. I have had them for 10 years. In all this time, I have never carried the amount on them forward to the next month. I make payments on them, enjoy my cash back, and pay them off at the end of the month. I have an unavoidable expense, in the $7k-$10k range. I could pay it off …

Pixel Watch updated with Emergency SOS confirmation step submitted by /u/MishaalRahman

Separate emergency savings Never understood this until I walked out and found my truck missing. $300 tow ticket coming out of my savings? Brutal. Week-ruiner. $300 out of emergency savings account? Feels like paying with Monopoly money. Couldn’t be less upset. So glad I set it up and would recommend to anyone who hasn’t yet. submitted by /u/chadwickbradford

Former Eagles guitarist Don Felder shares update after suffering medical emergency on stage submitted by /u/Edm_vanhalen1981

Putting Emergency Fund in a MMF Long story short, I am not happy with the savings account I currently have my emergency fund in. I want to keep it somewhere that I can access it within a few days and also not lose a lot to inflation. I have a checking account and some credit cards with Chase. I am considering opening a JP Morgan brokerage account and putting my savings in a mo…

Finishing my 1-year emergency fund, needing encouragement Throughout a terrible six months after a layoff, I never needed to use my six month emergency fund because of side jobs and just grabbing any work I could find even if it was just food delivery. Now that I’m settled back into an office job at a better role, I’ve spent the last four months in full hording mode. I have two contact gigs from my lay…

Managing Emergency Fund Curios to know that how you managing your emergency fund ?? Are you keep the all the funds in place or split into more than place ?? Once it reach the level to cover your 6-12 month ? Will you keep increase the bar or move into next goal ?? submitted by /u/ManiAdhav

Savings to pay off CC or hit emergency fund THEN CC? Need some advice: I’m stuck right between… A) using savings to pay down my $3000 CC debt – I am only $1000 away from my 3 month emergency fund or B) hit my emergency fund amount, and from that point just throw what I WAS putting to savings directly into the CC on top of my monthly payments submitted by /u/CarolinaMountaineer2 …

Google Messages will get a big emergency texting upgrade soon – here’s what’s coming submitted by /u/hunterd189

6 Month Emergency Fund, Where to Place I currently have my 6 month emergency fund parked in an Amex high yield savings account. It is currently earning 4.05%. Should I just keep it here, put it in the market? Somewhere else I am not even considering? Thank you in advance! submitted by /u/Own-Carpenter347

Suspending PEPFAR: An emergency of our own making (RNS) — Trump’s stop-work order came with such power and authority that, literally, it caused global momentum on fighting HIV to simply stop. The post Suspending PEPFAR: An emergency of our own making appeared first on RNS.

LPT: Need an emergency plunger? Use a mop and bin bag. The loo Is blocked, you don’t have a plunger? Grab a mop and twist up the mop head, put it in a bin bag to allow it to form a seal and protect it from the waste in the loo – you now have a home made plunger. Bonus tip: same scenario as a guest somewhere? Wrap up a spare towel and put it in a bin bag – both are usually present in a bathroom. Take…

Lost US passport, help relieve my stress! I want to continue my travels and need info about emergency passport rules Anyone have experience using an emergency American passport to travel around to multiple countries? I lost my passport in Vietnam at the very beginning of my trip and have plans to travel all over Southeast Asia with my partner. I have an appointment in Hanoi at the embassy but need to know if I can continue to travel as scheduled. Thanks to al…

After Emergency Fund, Do People Invest Most of Their Income? I’m 32, but I did not grow up in the states, and my parents have never invested in the stock market, so I’m not sure what is good financial advice / typical practice. I max out my 401(k) and my IRA, and I have an emergency fund of around 6 months of expenses. I do not plan on buying a house / car / similar big purchases within the next 5 years. …

Is it ever okay to dip into your emergency fund for non-emergencies? I’ve been building my emergency fund for a few years now, and it’s finally at a solid six months’ worth of expenses. It gives me peace of mind knowing it’s there for true emergencies, like job loss or unexpected medical bills. Recently, though, I’ve been tempted to dip into it for something that’s not really an emergency but feels like a worthw…

Trump declares a ‘national energy emergency’ Image: Cath Virginia / The Verge, Getty ImagesDonald Trump said today he’ll declare a “national energy emergency,” a move meant to speed the development of fossil fuel infrastructure. He signed an executive order doing so this evening. The actions taken on his first day in office mark the start of President Trump’s attempts to boost oil and gas …

Trump declared a ‘national energy emergency’ Image: Cath Virginia / The Verge, Getty ImagesDonald Trump said today he’ll declare a “national energy emergency,” a move meant to speed the development of fossil fuel infrastructure. The actions taken on his first day in office mark the start of President Trump’s attempts to boost oil and gas and retreat from global climate goals. He campaigne…

Where to stash larger emergency fund? I have about $100k I keep in a HYSA just in case of a layoff. Yes, this amount is necessary because it could take me 1-2 years to replace my income as the breadwinner. With rates going down, I’m thinking about where would be the best place to keep it. A few considerations: Limited risk because obviously i might need it at any time. However doe…