I keep $1k liquid cash for an instant emergency (earning just about no interest in my bank). Honestly, never needed it and can't forsee why I would. Even if you wrote a check, would anyone blink if you said, "can you cash that in 2 days while I do a transfer?" I keep this in the bank 1000% just in case I screw up my math and overdraft my checking. Also, means I don't have to run to the bank on payday.
Regardless, my high yield savings account only takes one day to transfer, and my other high yield money market account has checks tied to it. Both of those are about as liquid as it gets. You don't have to give up liquidity for higher interest rates.
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