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re: How much of a "cushion" do you leave in your checking account after paying bills
Posted on 6/19/13 at 3:31 pm to kennypowers816
Posted on 6/19/13 at 3:31 pm to kennypowers816
I could care less about my savings account that is linked to my checking because it only earns around 1% interest. My savings are through IRA/401k/investment accounts, but that shitty interest my savings earns is pretty meaningless to me. I'll blow more than it earns all year on a good night out drinking or more in vegas or somewhere like that.
Not even worth the trouble of a few mouse clicks to move money out of checking (which gets some shitty slightly worse interest rate) for me.
Not even worth the trouble of a few mouse clicks to move money out of checking (which gets some shitty slightly worse interest rate) for me.
2
Posted on 6/19/13 at 3:53 pm to Tiger n Miami AU83
With neighbors FCU after you go over 10k in checking it pays out the same as the savings rate. Not sure why they even offer a savings account.
Posted on 6/19/13 at 4:36 pm to Tiger n Miami AU83
Too much. I've maxed out my Roth IRA for 2012 and 2013, but I have no desire to set up a personal investing account right now. The most I would do is put it in a money market...I'm very risk averse in that I like having a good lump sum for protection. I do have some more aggressive investments but that is money I expect to go play ball.
In the next couple of years, I'll either go to school and use the cash for living expenses to limit loans or I'll buy a house and cover a nice downpayment with the cash.
In the next couple of years, I'll either go to school and use the cash for living expenses to limit loans or I'll buy a house and cover a nice downpayment with the cash.
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