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I recommend putting some of the emergency savings into Chiefs failing to cover the spread. Ties it up for just a week and almost always nearly doubles your investment.
But in all seriousness, I'd say if you have the ability to get a HELOC at ~4% interest, you can afford to be less strict with emergency savings rules.
Full Disclosure: Not a financial adviser. Also, quite poor.
Last edited by Jenson71; 09-24-2021 at 01:22 PM..
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