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"Any thoughts?

Jonathan "


Do you have an emergency fund set aside?
If not for my emergency fund and savings outside of my 401K and my
DW's Roth IRA, we would be in great trouble after being laid off.
Keep in mind that the funds are not necessarily accessible without
a penalty if they are in IRAs of either type or a 401K or

Balance in and out of tax-preferred accounts is a good thing.
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