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I'm saving money in case of lay offs. Investing is the last thing I'm thinking about.

Definitely a smart plan. I've got six months of expenses in my emergency fund earning peanuts but my mind is much more at ease because of it. Worth it.

Same. It has long been a dinner topic, since my wife has wanted to invest the cash and I have been pushing to actually save more cash.

Now suddenly the statement showing our savings and CDs is my spouse's favorite part of our portfolio.

Index funds that should probanly recover given a sufficient tine don't cover emergency expenses tomorrow!

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