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Greetings, Hiredhands, and welcome. You asked:

<<I understand the risk & stupidity of credit, but I have resistance to keeping a cash reserve somewhere for 5% on the off chance I may need it when it could be working for me. I have a 3.9% credit card (they keep extending the intro rate) & a 7.9% permanent rate card.
It make more sense to me to use those if something unexpected happens until I can cash out of something lucrative. So what's wrong with this logic??>>

The size of a cash reserve is a personal issue. If you like your approach, use it. Just bear in mind that credit card introductory rates and permanent rates on cash advances change rapidly. What starts at 7.9% this month could very well be 14% next month. Those rates aren't guaranteed forever, and they will go up. If you can accept and live with that risk, then have at it.

"Ya makes your choices and ya lives with the results."

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