re: Emergency money account advice

quote:

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Assuming that you have a fully funded Roth, just leave it be.

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Agreed - if your ROTH is not fully funded, that can be used as an emergency fund as the OP describes - usually doesn't take more than a few days for the money to clear - and even a fairly conservative Vanguard mutual fund will have minimal fees - if purchased directly - and yield 5 to 6 times what the savings account does.