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I really agree with you on the emergency funds and CDs. My partner likes the safety of cash and CDs. So, we have 12k in a CD plus about 15k in savings accounts. That's a lot of money given that we both have fairly secure jobs. But, that helps her sleep at night and other than that she has no opinions on retirement savings & strategies. The upside is that she's scottish and very frugal, so what more can I ask for !!!!


I am wrestling with the whole issue of cash balances in the run-up to ER at the moment. Frankly, tying up a chunk of dough earning virtually nothing is pretty hard to swallow. I am starting to think that with my fairly stable job I really could probably aford to invest much of my cash balance in higher return assets. Like yourself, I also have a taxable account, and in my case it is large enough that we could live on it for years without any other income (pretty unlikely scenario). If I didn't want to sell at a particular time, there is always a margin loan for the short term.

I haven't decided yet, but I am really thinking about putting cash to work.
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