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<<<? Are you ever concerned about having all of your funds tied up in somewhat untouchable investments? I would think some percentage of investments in taxable instruments so that you can get to it if necessary.>>>

That what the proverbial emergency fund is for. Save about 3-6 months of living expenses in a money market fund. Why not stocks? Imagine this past September or October you got in a car wreck, along with your stocks in the emergency fund.

JLC
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