Maddie

We have one for hotel points and one for airline points because my husband travels a lot and my family lives out of state. So I direct deposit. All of our bills go on our credit cards to maximize our points. Or I just bill pay them out of the savings account where I can. So I can keep a minimum amount in our checking and keep the majority in savings.

We have one for hotel points and one for airline points because my husband travels a lot and my family lives out of state. So I direct deposit. All of our bills go on our credit cards to maximize our points. Or I just bill pay them out of the savings account where I can. So I can keep a minimum amount in our checking and keep the majority in savings.

Yes, I am. I actually, it's through SoFi. So I don't know if you know anything about them, but I think I can just go to an ATM.

Yes, I am. I actually, it's through SoFi. So I don't know if you know anything about them, but I think I can just go to an ATM.

Yes, I am. I actually, it's through SoFi. So I don't know if you know anything about them, but I think I can just go to an ATM.

Right. And if we did ever, we have a high allowance. Is that what it is? Our high credit limit on our cards. So if we had something like that, we could probably charge on our credit card and eventually pay it off.

Right. And if we did ever, we have a high allowance. Is that what it is? Our high credit limit on our cards. So if we had something like that, we could probably charge on our credit card and eventually pay it off.

Right. And if we did ever, we have a high allowance. Is that what it is? Our high credit limit on our cards. So if we had something like that, we could probably charge on our credit card and eventually pay it off.

It definitely is. I mean, we did have more in savings. And then I was a stay-at-home mom for a year because we moved when I was seven months pregnant. I gave birth at an awkward time in the school year. It just made sense to stay home for a year and move into our house and raise our kid. And because of that, we spent a lot of our money in savings. It was almost like we won the

It definitely is. I mean, we did have more in savings. And then I was a stay-at-home mom for a year because we moved when I was seven months pregnant. I gave birth at an awkward time in the school year. It just made sense to stay home for a year and move into our house and raise our kid. And because of that, we spent a lot of our money in savings. It was almost like we won the

It definitely is. I mean, we did have more in savings. And then I was a stay-at-home mom for a year because we moved when I was seven months pregnant. I gave birth at an awkward time in the school year. It just made sense to stay home for a year and move into our house and raise our kid. And because of that, we spent a lot of our money in savings. It was almost like we won the

more affordable home in Cleveland. And we used our savings to allow me to stay home with our kid. So I think I'm very protective of the amount that we currently have in savings because I watched it sort of whittle down. For our emergency fund, our expenses every month are between $7,000 and $9,000 depending on the month, depending on things in our house breaking.

more affordable home in Cleveland. And we used our savings to allow me to stay home with our kid. So I think I'm very protective of the amount that we currently have in savings because I watched it sort of whittle down. For our emergency fund, our expenses every month are between $7,000 and $9,000 depending on the month, depending on things in our house breaking.

more affordable home in Cleveland. And we used our savings to allow me to stay home with our kid. So I think I'm very protective of the amount that we currently have in savings because I watched it sort of whittle down. For our emergency fund, our expenses every month are between $7,000 and $9,000 depending on the month, depending on things in our house breaking.

So our emergency fund, we've calculated that we'd be comfortable with having like $24,000 What do you guys think about that? I heard Elizabeth sigh. No, that wasn't like, okay, yeah, good job.

So our emergency fund, we've calculated that we'd be comfortable with having like $24,000 What do you guys think about that? I heard Elizabeth sigh. No, that wasn't like, okay, yeah, good job.

So our emergency fund, we've calculated that we'd be comfortable with having like $24,000 What do you guys think about that? I heard Elizabeth sigh. No, that wasn't like, okay, yeah, good job.

Yeah, I really love that approach. My bank does offer that option. They call them vaults. So I like the idea of moving what we need for emergencies and moving what we need to pay our bills because we direct deposit into that savings account as well. I think that sounds like a great idea.

Yeah, I really love that approach. My bank does offer that option. They call them vaults. So I like the idea of moving what we need for emergencies and moving what we need to pay our bills because we direct deposit into that savings account as well. I think that sounds like a great idea.

Yeah, I really love that approach. My bank does offer that option. They call them vaults. So I like the idea of moving what we need for emergencies and moving what we need to pay our bills because we direct deposit into that savings account as well. I think that sounds like a great idea.