All the investing talk got me thinking and I question if I'm holding to much cash. It's piece of mind yet gets inflated away. But at the same time having it liquid allows the ability to jump in on good deals especially if the economy crashes. But there could be to much.

What's enough. Emergency fund with 3, 6, 9, months or a years worth of expenses?
Other cash held for investment opportunities? My Goal has been a years worth of expenses, but I just started thinking I don't need it all in a cash fund just the ability to turn it into cash if needed fairly easy so maybe just 2 to 3 months in an instant available cash account may be smarter?

With markets a highs it may be wise to wait for a drop if I holding to much in cash. But yes still dollar cost averaging weekly as well.

Often I allow indecision to stop me.from making moves that would more times than not been profitable mostly due to not wanting to see savings levels reduce. To combat that I spend another bank account just to be used for investing in hopes since that's what it's there for I will jump on opportunities when they come up. Have not had it long enough or funded enough to see how that works out . Anyone else do small things to trick themselves. Realistically there is zero difference if the money goes into and out of one account or is broken up between multiple but it seems to work for me so far.


Just rambling though while waiting on things to get moving at work.

What does investing do??? And if it's worth it how do I do it?

Banks shut down and the stock market crashes. No ATM’s have money.
Now how much cash do you think you need?

Cash in the bank or cash on hand?

I suppose it depends on one's lifestyle.

Are you the type to buy and sell? Buy when something you want but not need is a good deal?

In this case I think the green steel cans full of brass, lead and copper will be more valuable than cash and silver I have put back. Currently on Hand 3 months cash, but in this situation it would go much further because probably no bills will hit the mail box either.

Kind of where debt free, big gardens, and knowing how to preserve the harvest truly shines though.

If that happens cash will likely be valueless.

I don't thinks there's any good reasons to have a large amount of cash stashed. A large amount stashed, for a family of 5, would be anything over $12,000.00 to $15,000.00.

Keith

Thought you asked about cash. All the other is an entirely different subject that most of us have already. Well, except silver. Don’t know anyone that’s gonna say oh cool he’s got silver. My brass can get me most anything I need. Cash money will get me the rest.

That won't buy much now days.

Have "cash" available . . . but GOLD & SILVER readily on hand. :-)

What are you gonna do with gold and silver?

Brass and lead will be much better to have on hand.

A couple of years of expenses plus incidental expenses in liquid moneys. The one thing you don't want to do sell stock if things go south. I have 2 to 3 years of expenses in liquid funds where no penalties or have to sell and will be able to weather a storm in a downturn.

History has always come back in ~1.5 years at one of the longest recovery times after a bear market.

HUH???. My G & S will buy more B & L than you will buy G & S . . . DUH!

Is your G&S an investment and part of your portfolio. SJA? Or do you sell G&S and buy and hold?

SJA,
If things go your way....maybe.

But, if things go bad enough that you need to buy ammo with your gold and silver...it'll be too late for you and your's.

I'm gonna use my brass and lead to obtain what I need.

You don't need a whole lot of brass n lead. Realisticly if you ever get into a firefight with the authorities you might get off a 100 rounds, not likely but it's possible. Gold and silver on the other hand will allow you to trade for stuff, like food. And don't tell me you'll grow all your own food. Not gonna happen. Garden's will be all torn up and destroyed.

Gold and silver have been a medium of exchange for thousands of years and will be for thousands more.

Liquidity can come in many forms.

Bryce

Currently, I have 10 years of ammo and 1 year of cash on hand. I have no worries. Oh, and if the world doesn't end, I have 35+ years of investment income, just in case. LOL

10k.

Suppose the sky falls. What then?