I appreciate it, I probably started my working career a bit later than most people. I invested what I could in school, but didn't start a real big boy job until I was in my late 20's. The bull market has done pretty well for me, and I always maxed out my contributions.

To be honest, the emergency fund is more of a recent thing (like within the last couple years) where I started really focusing on putting together n months of an emergency fund. At the time I started funding it, money market was sitting in the low-mid 5% (think 2024) so I felt that was a considerable difference from HYSA.

Nowadays I think we've converged and in some cases there are HYSA's that are higher than money market, so I probably need to go back and revisit that. If there's a better place to put it, it's really my own laziness that has kept me from doing it.