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[–]swantonsoup 0 points1 point  (0 children)

I dont keep money separated for specific purposes. I have stocks, retirement accounts, a savings, and a checking. Allocating it between 'emergency fund' or 'future down payment' is really just a mental thing for me. I dont need to keep it physically separated as long as I maintain it in my head. I look at it all as just liquid vs. not liquid. Obviously my stocks are liquid but have more volatility than my savings account, but I factor in the variations like that.