#306~ She Quit VTI To Buy This Instead...

So do you have an emergency fund?

I do.

What do you because I know this is always a big point of contention.

Do you think that it should be three to six months? Or do you view someone like me, we keep a little bit, and then we have a taxable overflow account.

So we have extra money we put in there.

And I don't know, I kind of view, well, honestly, right, if it comes down to it, all of my accounts are an emergency fund.

What's your rule of thumb for your emergency fund?

Because of the amount of times that I've been laid off, I think for, for my industry and finding my next role, I am, my comfort level is beyond the six months.

Wow.

So yeah, that's, and where do you have it in, uh,

I have a high yield savings account and I have a money market account, but the interest rates are pretty similar.

I also at times do incorporate using CDs just to get a slightly higher rate.

But that's for something that I know is upcoming, you know, for potentially, you know, paying taxes or something like that.

I got to know.

So without getting into ages, have you saved for a 529 at all for your daughter?

No, my daughter only has a UTMA account and then she has the Fidelity Youth account.

So that's the direction that I went in.

She does not have a 529.

It's because her father works at the university.

So I didn't feel that that was a necessity for what I was building for her.

Got a little bit of a cheat code there, right?

Yeah.

nice um so what about like what you're doing now so if anybody doesn't know i've probably said that you have a youtube channel which i highly encourage everyone to check out and we'll have a link below with that being said you have your youtube channel what's your your big strategy right now how you're how are you investing what are you what is the whole thing that you're trying to do

I'm focused on growth.

So I've been sharing my journey into building up into certain ETFs like SPMO and SMH.