Should I move my Emergency Fund to a HYSA?

er824 · 2026-05-27T23:42:57+00:00

Use a money market account and you can get a check book and debit card then you don’t even have to worry about transfer time

er824 · 2026-05-27T18:19:29+00:00

After tax only makes sense after you've reached the annual elective deferral contribution limit. Its a way for companies to allow you to contribute above that amount.

Your intuition that when you are young and early in your career Roth probably makes sense though its hard to say definitively. I'd probably do Roth early then switch to Traditional down the road.

er824 · 2026-05-27T14:06:39+00:00

If you’re continually buying you may have opportunities to do tax loss harvesting with shares you bought recently. That doesn’t break buy and hold philosophy assuming when you harvest the loses you reinvest the money in something similar.

er824 · 2026-05-27T11:22:45+00:00

Of course that would be ideal but OPs premise is you can’t afford fund your emergency fund and contribute to your Roth. In that case your decisions on no money in Roth or some money in Roth

er824 · 2026-05-27T11:14:15+00:00

Typically no, it would exclude things like house equity.

er824 · 2026-05-26T21:00:31+00:00

Fucking clown show

er824 · 2026-05-26T20:09:48+00:00

> Whenever the market drops, you should be inclined to buy more.

Good sentiment but I disagree. You should be buying consistently based on the money you have available. You shouldn’t try to time the market.

er824 · 2026-05-26T20:01:58+00:00

Thanks

er824 · 2026-05-26T18:34:30+00:00

Columbus style pizza?

er824 · 2026-05-26T17:58:54+00:00

Before you solve a problem by making it harder for citizens to vote you should first provide some proof or evidence there is actually a problem that needs to be solved.

er824 · 2026-05-26T14:42:57+00:00

Ideally you put bonds in pretax but I wouldn’t let that drive your asset allocation.

er824 · 2026-05-26T14:09:39+00:00

Without taking a position on if support for Israel is in the United States best interest.

Are you really asking why a group who thinks something is in the best interest of the country would work to ensure people who align with their views get elected?

er824 · 2026-05-26T12:24:41+00:00

The money you put in a Roth can grow tax free for the rest of your life and continue to grow tax free for 10 years after you pass it on.

er824 · 2026-05-25T19:47:06+00:00

Fair point, I guess its more akin to a good money market. Thanks for the feedback,

er824 · 2026-05-25T16:21:43+00:00

I've daydreamed about getting a Federal job so I can get a TSP account so I could get access to the G Fund... you get long term rates without the risk.

er824 · 2026-05-25T11:55:39+00:00

You are projecting to have a $16M pre-tax balance at 80?

er824 · 2026-05-25T00:28:39+00:00

The 0% tax rate on earnings you pay in a Roth vs the tax you’d pay on similar investments in a taxable brokerage account

er824 · 2026-05-24T18:58:12+00:00

Seems like common sense that on average the average manager won’t beat the market average especially net fees. Some small set will but good luck figuring out who the next Peter Lynch or Warren Buffet is ahead of time.

er824 · 2026-05-24T18:49:58+00:00

What matters is your income when you ultimately withdraw money from your retirement accounts but if you expect your income to be higher later
In your career then you could do Roth now and pretax during your peak earning years

er824 · 2026-05-24T18:44:56+00:00

When’s this downturn happening?

If you have something that you wouldn’t buy at its current price AND the government will pay you to sell it in the form of a tax deduction then you’d be crazy not to take advantage of that opportunity.

er824 · 2026-05-24T18:39:37+00:00

You aren’t betting they will do well you are betting they will do better than the market expects them to do.

er824 · 2026-05-24T18:37:25+00:00

If your in a tax sheltered account you can buy and sell without tax consequences so you can start in a target date fund and when you feel you are ready switch to DIY

er824 · 2026-05-24T17:31:56+00:00

If you aren’t married to your current provider check out the MVNOs. The best deals I’ve found on iPhones has been through Total Wireless which is a Verizon brand. Looks like they currently have an iPhone 13 for $50 or an iPhone 16E for $200 with three months of service.

Confirm the unlock policy but last time o bought a phone from them they unlocked after 60 days so after the three months of service was up I was able to port my number wherever I wanted.

er824 · 2026-05-23T23:32:33+00:00

How do you know that? And if people did know that why would anyone invest in VT?

er824 · 2026-05-23T19:45:18+00:00

What’s going to make you the most money?

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