conversation: User (rap1995): "I like to have around at least 4K-5K in my bank account as a buffer and just to feel good. But today I was thinking...it's just sitting there doing nothing, my monthly expenses are not 4k. Should I take a large chunk of that and invest/pay off student loans? Should I really be entertaining around 1K-2K in my chq account?"
  Self: "I have a checking account with a 1-2 months expenses in it at all times and then an emergency fund in a high interest savings account with 6 months worth of expenses.\n\nEverything after that goes into retirement or investments. I don't have any debt, but I would probably pay that off after paying into retirement and before investments."
  prince1909 (prince1909): "This is a brilliant layout for foundation of personal finance.  Which online high interest savings account?"
  Self: "I just use Ally. It's currently at 1.5% APR. \n\nEdit: corrected the APR from 1.55% to 1.5% "
  scotty_snipes (scotty_snipes): "&gt; 1.55% APR.\n\nyou are? I'm only at 1.5%, odd.\n\n\n"
  DietSnapple135 (DietSnapple135): "He might be mistaken, as its currently 1.5%, but it's been rising so often it'll probably be 1.55% in the next couple months."
  spaghettilee2112 (spaghettilee2112): "Is 1.5% a good interest rate?"
  f5f5f5f5f5f5f5f5f5f5 (f5f5f5f5f5f5f5f5f5f5): "It's garbage. "
  