I agree that an emergency fund should be readily available, sort of...

I will always have 10-15K in a MM acct, that I can get to at any time. But I use my available credit for the remainder of my emerg funds. I have a 15K limit CC and a HELOC. No balance on either.

Set up rolling CDs using your emergency cash so you have one expiring each month, that way if you have a big unexpected expense you charge it, or borrow on your HELOC and use the CDs to pay it off over a few months. Worst case you're out a few months interest. In the mean time you're earning good interest on your emerg money.

BTW, my local credit union is offering 4% 6 month CDs right now. I would think that rate would be readily available anywhere...

I don't read certain messages because of acronym abuse. You think you're being clever, but you're not.

I think humans are analogous to a body with cancer. Generally I think (hope) most people want peace and prosperity for themselves, other humans, animals, nature, etc. However we have within our population a growing disease. This diseased element is willing to harm, consume and destroy it's host, (the planet and everything on it), without regard for it's own long term survival, just like a cancer. I don't think this has ever been more true than now. AI on the other hand (if it ever really comes to pass) is very unlikely to bring about it's own destruction. Quite the contrary, it will likely evolve and grow and overtake. If it's really intelligent, it will purge us from the planet.