OK, confession time. Ahem!! (Tugging collar, blushing....) I'm technically on BS3, but I've been doing it wrong. I mean reeeeeeeaaalllly wrong. (Where' the little smiley with the bag on the head? I LOOOVE that smiley!)
So you know how you have to save up 3-6 months of expenses? I saved up 6 months of INCOME! (Ah! There it is!!)
I guess that's, um, good news.....right? I've been done with BS3 all along and didn't know it.
I never thought I'd be in the delightful position to ask this question, but seeing as I have twice what I need, what should I do with the surplus? I have enough to open a money market account, which won't let me dip below a certain amount that is twice what we need for our EF. If the account balance goes below that, the worst that happens is that we stop accruing interest until we can replenish that money. It wouldn't be the end of the world if that happened. So should I move it to the money market? It would keep the EF liquid, but at least we'd be earning more than a few pennies in interest.
Otherwise, since we have twice what we need for the EF, would there be a better way to spend that money?