Latest / The Emergency Fund Podcast with Fexingo: Cash Reserves, Saving, and Financial Cushion
Why Your Emergency Fund Shouldn't Be All Cash
Most listeners treat their emergency fund as a fortress of pure liquidity, parking three to six months of expenses in checking or savings accounts. But that approach ignores the silent erosion of purchasing power caused by inflation and opportunity cost. In this episode, Lucas and Luna explore the concept of 'liquidity stacking'—a strategy where you hold only immediate needs in cash while allocating the bulk of your reserve into short-term, high-quality instruments like Treasury bills or money market funds. We break down how to calculate your true risk exposure using data from…
The skinny
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