Latest / The Emergency Fund Podcast with Fexingo: Cash Reserves, Saving, and Financial Cushion
Why Your Emergency Fund Needs a Liquidity Hierarchy
Most people treat their emergency fund as a single bucket of cash, but that approach fails when inflation erodes purchasing power or interest rates shift. In this episode, Lucas and Luna break down the liquidity hierarchy concept, using the specific example of a three-tiered reserve system: immediate access checking, short-term Treasury bills, and money market funds. They explain why keeping all your reserves in a standard savings account might cost you hundreds of dollars annually in lost opportunity, while also exposing the hidden danger of over-allocating to slightly less liquid…
The skinny
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