Our Hybrid Emergency Fund

Ask people where to keep your emergency fund and you’ll get a nearly-unanimous response of ‘savings account at a bank or credit union’. Generally speaking this is sound advice. You want to keep money somewhere safe and secured, that can be accessed quickly. But there’s a problem with that approach: opportunity cost. I can hear […]

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Naming and Automating Our Way to Savings

Have you ever noticed that people tend to name weird things? Cars, guitars, phones, even more obscure things like a sewing machine or Keurig coffee maker. They’re all just stuff, yet we give them names that often are thought of as human (in rare cases, sometimes we name people after things instead). There’s a segment […]

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