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@maggiehanley Yeah- what is your fear of being sick? I think it’s better to be liquid these days. Not that you will do this, but my mom had a friend of hers that during the recession, she and her husband lost their jobs. Mortgage companies do everything to help people in situations- I think the...

@maggiehanley What age are you and your kid(s)- I think staying liquid is more important until you can really build up a big payoff lump. You could do that in a HYSA for a few years and keep it as emergency and test the waters before. You never know what can happen in life. If your child is...