Do you guys count your 401k & Roth IRA as savings? If not - where do you keep your savings (e.g. in a HYSA)?

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HYSA with Marcus for saving/emergencies. I don’t count my Roth/401k as a savings bc I don’t consider that money to be accessible at this point in time for myself (26 yo)

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RT

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I’ve got a HYSA as my emergency fund and I’ve been buying series I bonds as “bulk savings” for things like down payments, a ring, etc.

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@D1, yes. Going to try to take advantage as long as the rate is high and the stock market is as volatile as it is.

Currently using a HYSA with Ally for my liquid savings. So it’s easily moveable and not locked down like funds in my retirement accounts

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I count all of it as savings, but consider 401k/Roth non-liquid. My emergency fund and short-term savings are in ibonds and a HYSA and then medium-term savings/investments are in a taxable brokerage.

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Half of my savings is in an HYSA with Gemini in $GUSD. Other half is cash in regular savings account. +Retirement Accounts

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