My EF is my money market account. It's only about $10k but slowly growing. I do make mortgage payments from this account so as to get a little interest off the money before I give it to the bank.
I only keep $2k in checking but that is for food/bills/life.
I plan on starting some investment this year I want a CD and IRA but I wouldnt have considered either to be emergency fund. I did like the idea of 3 CD's on alternate 90 day cycles though.
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