Disney Steve,
I've gatherered you are a doctor from a few threads and I also have seen froma couple others that you probably have a few dollars banked (the post about paying off a 150K mortgage lead me to this), so my question is "how much do you have/need in a money market account? You shared the funds that you are in on one discussion, so I know you invest savvily (is that a word?), so do you keep so much in a money market for emergencies? While I doubt I have as much as you, my wife and I decided that only a few months in a money market was all we needed. We have plenty of money invested in mutual funds that we could get our hands on if there was an emergency. I have yet to come across that big of an emergency that we would need 6-9 months of expenses in the money market account. So, why not put more in a mutual fund? If you did that, then a 1/2% up or down on a money market really wouldn't be a big deal.
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