re: What's a "normal" amount of money for a late 20s person to have in savings?

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With 21k limit on our credit cards, we can use them immediately, then pay off the balance at the end of the month with whatever we need to withdraw from the roths.

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This is the correct answer.

I have no idea why people use savings accounts anymore. There isn't anything they do that you can't do better some other way.