this post was submitted on 31 Jan 2025
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This always felt like banker advice to me. That's an insane percentage of cash to have sitting in an account that's earning less interest than the rate of inflation.
I would suggest everyone have a stock investment account and not worry about the percentage. Setting aside $1 per month is infinitely better than $0.
The advice is to have access to your funds, you're free to put that anywhere you like. Index funds, bonds, stocks etc
Check what options are available in your country.
Doesn't putting the $$ anywhere that's not retrievable miss the point of having an emergency fund? It's supposed to be liquid assets you can spend if you had to. Putting it anywhere with good returns would keep it from being available at 11:45pm on a Saturday night when the ER is demanding payment now or they won't treat you.
That's what credit cards are for. You have a while to cash in your investment and pay the bill.
Although things are so uncertain right now I'm considering pulling all my savings out of the market. I know the stock market isn't real, it has a good chance to even go up. But I think we're heading for Great Depression part 2 if all the threatened tariffs happen.