LivingAlmostLarge - thanks for the advise. We don't have a very large emergency fund -- about $7K in primary savings account. It is hard for me to justify having a large emergency fund when I'm paying interest on money that I owe and earning very little in the savings account. I know that it probably makes sense to build up more money in this area. We do have about $30K in the HELOC that we could tap into @4.49% as a last resort. What do you mean by taxable accounts?
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