Snave - Great post. You make some excellent points. We've got about 15K in our MMF. I also see no point in keeping 6 months worth of expenses there earning 4% (or less now). Like you, we have plenty of other assets we can draw from if needed.
A 0.5% difference in interest is $75/year on 15K. While $75 isn't something to throw away, it also isn't something to go jumping through hoops to chase down. I'll probably stay where I am.
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Steve
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