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@sad I mean the short term loan cost $16 so it wasn’t exactly painful. Merely pointing out another way to look at using a taxable account and another way to access your money without having a large portion sitting in cash or cash equivalent.

@takeonme Probably. I’ve just come to realize if you’re a diligent saver which if you have 6 months worth of expenses saved up you probably are at what point is it a drag to have so much laying around doing virtually nothing. After doing this for so many years I’ve moved away from X amount of...

@takeonme Having liquidity when you need it. Your car gets totaled and you need a 7 day margin loan from IBKR while you wait for the insurance check to deposit and clear. For me it’s great to have money in retirement accounts I can’t touch for 30 years but life happens sometimes.