this post was submitted on 23 Jan 2026
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The economy is so precarious if you don't have 6 months of savings, plus retirement, you really should be wary of spending it.
I already know a couple of people that have been job hunting going on 4 months. That's been very inconvenient for them. Plus let's not even get into social security insolvency.
Although you are right you should at the very least move it so you're getting a decent interest rate on your money.
Otherwise, I don't think many people these days have more than they need.