re: Bought US Treasury 1y

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So this is your 3-6 month emergency funds?

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I grew up living only slightly above the poverty level. My father got laid off multiple times. My mother was a HS graduate and worked as a bank teller. It wasn’t fun, we really suffered for a while. We didn’t starve; but, even as a young man I knew my family was struggling. By time I was able to get a workers permit at age 13; I was working to pay for my own school lunches. My brother and I became very proficient hunters as we felt it was necessary to put food on the family table. Whitetail deer was the protein of choice for quite some time.

My wife’s story is much the same. Lost her father at age 13. Grew up on one income from what was a stay at home mom who had to go to the workforce to provide for her 3 daughters.

Old habits die hard. We keep two years worth of funds aside to be prepared for the unimaginable. My wife and I both unemployed for 24 months.

Which is a bit silly as we have no debt. Our home is paid for. As is our kids college and our cars, etc.

The upside of my irrational discipline is this. The guy maxing out his 401(k) at age 21 even though he shouldn’t? That was me. The guy who considered himself a Boglehead at age 30? Me too. I was a millionaire at age 41. A multimillionaire at age 44. Despite this; the fear of having to relive those years of my childhood is ever present. As a parent; I feel like I’m doing everything in my power to ensure that they experience all of those thing I didnt. Every move is calculated. I shouldn’t worry about money; and yet I do. Every single day. I don’t recommend it. It’s a special sort of torture.