Kurt Ullman wrote:

Which is largely why only my emergency money is in the bank. The
stuff I can not lose.

Bank? BANK?

That means you can access it only about 50 hours out of the 168 hours in a
week, or less than 1/3rd of the time. You probably can't drain more than
$500 from your account via an ATM machine.

In my view, one should keep their emergency cash in the mattress. Or in the
pocket of an old suit. If the latter, pin a note on the clothing: "Do not
give to Goodwill."