Build a savings account so you have liquid cash, sounds like you have the rest in order. Cash is King when you need it.
Already keep about 10^3 in the savings account where my pay is deposited. That way it's available for emergencies and I earn about...15 cents a month. *sigh* But seriously, I figure that will cover me. Anything more serious I should have enough heads up to transfer money from other investments.
I'm really looking for another way to invest that extra $100 and diversify a little more.
Build a savings account so you have liquid cash, sounds like you have the rest in order. Cash is King when you need it.
Agreed. You need a cash savings you can access almost immediately. Emergency plane tickets, car repairs, etc....
ING has savings accounts that are over 3 or 4 %, which is about double a normal bank savings.
You sound well disciplined with your money, and you're on the right track. The horror stories of Seniors eating dog-food were generated by people who never saved anything, thinking SS would be enough....ha!
Edit: I just saw your follow up post. By having money in your bank savings, you can yank it out immediately in an emergency. Throw something into ING. You can DD the money, or just transfer it from your primary account. Spend that extra $100 on yourself...save up for new guns and toys or a yearly vacation, pay cash, keep yourself happy.