re: How much cash do you keep in your checking account

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Several thousand, but I pay my mortgage out of that account and also pay my credit card off using that account every month (pretty much all bills and other living expenses go on the credit card), so the amount varies.

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Do people use other accounts for this stuff?

I’m being serious. All my bills/mortgage/etc… come out is this account so I need a pretty big buffer

A grand

Don’t trust banks

Yep, neither did my grandparents who I respected more than anyone

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I'm about same as OP. Few hundred of missed interest annually is worth it to not have to worry about overdrafting when bills autopay. This method has allowed us to live without budgeting or sitting down to pay bills monthly. Just watch charge and withdrawal notifications for anything suspicious or unwanted. Our spending is very lumpy so a budget would be tedious and fortunately we are both quite frugal (trying to learn to spend more not less at this point). When I notice balance get excessive I transfer some to investments.

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Feel like I could have written every single word of this

It really depends on your monthly burn rate. I try to keep 15k-50k in mine. And before you say it should be only a few hundred, the downside of having a CC (I pay it off every month) or mortgage payment fail ain't remotely worth some skimpy money market rate of keeping it elsewhere and making sure you move it in time. I like lower maintenance.

That depends.

10,500. Do not ask me why I add the 500 in there.

Total cash, total assets, liquidity requirements, access, etc.

I mean if all you have is $200K, then yes, it isn't the best idea.

Ill ask my accountant when my jet lands

While we are on the topic, who has a HYSA that they recommend?