Dave Ramsey
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You've got enough money that if you need if you need money, if you need ten thousand dollars to, I don't know, bury a relative that died broke in Seattle.
And whatever.
Right.
I'm making this up.
Right.
But you could just reach over to the mutual fund and do a withdrawal.
Right.
Wouldn't be wouldn't be a big deal.
And so mathematically, that's okay.
I personally would coach you, though, to set and label something as an emergency fund.
And that's psychological.
And the reason is, I don't know if it needs to be six months.
It could only be three.
That's fine.
And just put it in a high-yield savings account at Fairwinds Credit Union or something like that, okay?
And just something simple.
And the reason is,
Then when an emergency hits, you don't stop and think, okay, is this a good time to pull money out of my mutual fund?
Because it could hit the day that Trump bombs Iran and the market drops 3% that day.