I actually keep real cash in the house for emergencies.
I'm surprised to read that a plumber, or a locksmith or a handyman would actually take a check or a credit card.
So I keep anywhere from $5k to 15k in my safe to deal with "emergencies" and to take advantage of any opportunities that may arise.
My EF is currently earning 0 in my checking account. Sigh.
I really need to buy some CDs or something. I just get uncomfortable locking EF money in anything.
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