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re: How much cash do you keep in your checking account
Posted on 7/3/26 at 5:45 pm to Upperdecker
Posted on 7/3/26 at 5:45 pm to Upperdecker
quote:
You paying bills with $200?
I know when my bills are due and move the money as needed. It's not rocket science.
I have zero debt so my monthly bills aren't huge.
This post was edited on 7/3/26 at 5:47 pm
0
Posted on 7/3/26 at 5:46 pm to Obi Wan Ryobi
Between $1 and $10,000,000.
I ditched checking a long time ago though. I use a cash management account from Fidelity.
I ditched checking a long time ago though. I use a cash management account from Fidelity.
Posted on 7/3/26 at 5:56 pm to FieldEngineer
Between 10-20k
Posted on 7/3/26 at 5:59 pm to FieldEngineer
quote:
I ditched checking a long time ago though. I use a cash management account from Fidelity.
They have one of the best. I haven't pulled the trigger yet but should.
Posted on 7/3/26 at 6:29 pm to LSBoosie
quote:
While we are on the topic, who has a HYSA that they recommend?
I use Vanguard’s but mostly because I decided to consolidate everything I could into one firm just so I have to stop remembering so many damn passwords.
It’s getting a little less than 4% right now. Not great but better than nothing
Posted on 7/3/26 at 6:34 pm to Obi Wan Ryobi
350
Posted on 7/3/26 at 7:10 pm to clamdip
quote:
They have one of the best. I haven't pulled the trigger yet but should.
It’s perfect. Debit, checks, free wires, etc. no worries about the FDIC limit because they do deposit sweeps. No fees for anything at all, as far as I can tell.
Posted on 7/3/26 at 7:19 pm to FieldEngineer
quote:
It’s perfect. Debit, checks, free wires, etc. no worries about the FDIC limit because they do deposit sweeps. No fees for anything at all, as far as I can tell.
USAA charges $25 for wires and requires a phone call if over a certain amount. I can set up a new wire with Fidelity in less time and for free.
Posted on 7/3/26 at 7:40 pm to WonPercent
quote:Absurdly stupid take. More likely lived a more interesting life by not carrying debt and over spending on vehicles. My life has been plenty interesting and I managed to retire at 45. You make a good point though, future isn't promised. Which is a major reason why I prioritized early retirement. I'm enjoying higher quality years instead of waiting until I'm elderly to retire. Plus likely increased longevity due to reduced stress and improved fitness.
you've really had a boring arse life preparing for a future that isn't promised
Posted on 7/3/26 at 7:46 pm to WG_Dawg
quote:
$10k in checking? Do you enjoy passing up free money?
I get 6% interest on up to $10k monthly
Posted on 7/3/26 at 7:46 pm to Obi Wan Ryobi
quote:
vanguard
BOSS!
Posted on 7/4/26 at 2:16 pm to cubsfan5150
quote:Where?
I get 6% interest on up to $10k monthly
Posted on 7/4/26 at 2:35 pm to WonPercent
quote:
[No debt, house and cars paid for. Never spent more than $17k on a vehicle. Retiring at 50 (1 year away). ]
I truly hope you live a long life post retirement, bc if you don't, you've really had a boring arse life preparing for a future that isn't promised.
Sounds like you're the one missing out, if you live your life in a state of instant gratification. I'd guess you have huge personal debt.
Being somewhat disciplined isn't remotely equivalent to a 'boring arse life.'
Posted on 7/4/26 at 2:37 pm to Obi Wan Ryobi
AFCU
Posted on 7/4/26 at 4:01 pm to FieldEngineer
quote:
I use a cash management account from Fidelity
The absolute smartest way. I keep my bill money in spaxx, emergency fund goes in sgov. Zero fees on anything, atm fees reimbursed.
Posted on 7/4/26 at 4:04 pm to Obi Wan Ryobi
Usually leave about 2k after bills are paid in case I find myself at a casino or an emergency comes up.
Posted on 7/4/26 at 4:13 pm to WaydownSouth
according to the last 2 statements about 27,000, which is too much, I just haven't been paying attention to it. try not to get below 15.
Posted on 7/4/26 at 4:15 pm to DoUrden
quote:
Around 2-4 hundred, via app I can transfer as much as I need on the fly. With identity theft and fraud you are crazy to have more. If I need to make a big purchase I can visit the bank in under 24 hours.
In addition my "online use" card gets locked at all times via the app except the moment I need to pay for something online.
Posted on 7/4/26 at 4:51 pm to BabyTac
quote:
Retiring at 50 (1 year away).
Be cautious.
With the numbers you posted, if you retire at 50, you are going to have to live off of about $40,000 a year. You won’t be able to use your 401k for a while or they will penalize you.
Can you support yourself and your family on that? You will also have to use a portion of your $40k/yr on out of pocket Obamacare medical insurance. With that amount, you will barely be able to leave the house.
Posted on 7/4/26 at 5:06 pm to WonPercent
quote:
I truly hope you live a long life post retirement, bc if you don't, you've really had a boring arse life preparing for a future that isn't promised.
Live for today will only make sense if you don’t live long. Good luck with that trade off.
This post was edited on 7/4/26 at 5:14 pm
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