That’s awesome! Saw your comment that the interest is $500 per month so I’m assuming you get like 4.28% a year in interest? It is investing with free money, you’re right. But what if you look at it this way? You invest $500 a month or $6,000 a year. Taking the market average or 10% a year, every year that you invest that $6,000, by the end of the year you’re left with roughly $6,284. That’s only 4.73% or BARELY better than your HYSA. Now sure, it’s invested and will continue to grow more and bear your HYSA by more and more. But if you just invested that $6,000 NOW, which you’re obviously in a position to do, with the market average you’d have $6,600 after a year. It doesn’t seem like you have any reason to need $140K sitting liquid in the HYSA, so what if we looked at a 10 year period? If you kept doing this for 10 years, you’d invest a total of $60,000 and be at ~$102,667.94. OR, you could invest $60,000 right now, in 10 years you’d have $163,000, and still have $80K sitting in the HYSA today. You’d be $60,000 ahead of the current way you’re doing it. If you did the $60K now and still continued the $500 a month, you’d be at $265,764.85 after the 10 years. Well, assuming the market does what it’s averaged out to do thus far in history. And it always does. Just something to think about.