re: What would you do if you were me?

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Do you plan on buying a house at any point in the near future? 9% is pretty good match, you don't want to save yourself poor...cash is awesome.

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Yeah this is something that bothers me. I feel like you need a set amount of cash in your account for general expenses, emergencies, and if you want to purchase a house/car. Unfortunately there's no telling how much you should keep in your account and there don't appear to be any rules for it. Whenever I ask, most people say they have around $10,000 in the bank.