One other point to think about is that the emergency fund amount will not stay at the same amount. If you have $25,000 in your EF, you would want it to grow by at least 4% a year in order to keep up with inflation. You would need for that account to earn $1,000. (4%) for growth, making it a total of $26,000.
I reevaluate my expenses each year to see how much I need to have there. There have been some years when the interest rate was low, that the account wasn't earning that much.
Your expenses will change over time and you will want to revisit that account and maybe add to it. Hopefully, laddering it with CD's will give you a better rate of return.
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