Good point about opportunity cost of cash savings vs investing - could always put it in a high yield savings account and/or some of it in short term bonds to mitigate that effect. I have about 3/6 mos of my emergency fund in HYS and maybe like 2 more in matured I Bonds (would just be giving up last 3mos interest if I withdrew it and could have the money in less than a week)
Good point about opportunity cost of cash savings vs investing - could always put it in a high yield savings account and/or some of it in short term bonds to mitigate that effect. I have about 3/6 mos of my emergency fund in HYS and maybe like 2 more in matured I Bonds (would just be giving up last 3mos interest if I withdrew it and could have the money in less than a week)