How much is too much to have in a HYS account given monthly expenses of ~$3000? I know you should go for ~3-6 months of expenses but also applying for grad school in 2020 and trying to save.

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Monthly expenses of 3000?! What are you buying mate. Cut your expenses and you'll find it much easier to save enough.
Also consider whether you need a separate account for grad school anyway, considering this is literally the act of leaving your job and drawing down on your savings. They seem like the same account to me.

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It’s rent and all his living expenses. In a place like NYC you’ll hit 3K quick (2K studio, 1K expenses) Where do you live A1 ?

If you need risk-free liquidity soon, not sure where else I’d put them. I currently have 6 figures in a HYS account, but I’m done with school and waiting for a recession so I can dump it into equities and real estate.

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