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I briefly looked at I-bonds but was put off by the 6-month lock in (you know Murphy's law), but it occurs to me they would be ideal for additional savings and can then be considered part of the emergency fund after 6 months.

I had CDs and a chunk in a money market account, but I still moved into I-Bonds over a period of a year so I wouldn't have too much less than the equivalent of 6 months of living expenses liquid (went down to 4 months liquid) during the transition.

So now I have a two-tier emergency fund: the equivalent of about 4 months of living expenses in I-Bonds, and the equivalent of about 4 months of living expenses in my credit union's money market account.
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