Quote:
Originally Posted by ChiliConCarnage
Assuming your pay is somewhat equal and either of you alone could cover a good chunk of the bills then, yeah, I think youre ok to shrink the emergency fund. There are conservative things you could do like laddering into government i-bonds that are probably better than holding cash most of the time.
In your position the emergency fund is really just there to help you sleep at night. Whatever you're comfortable with
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Can get a bottle of Melatonin for about $2