Newbie here. I have ~25K in cash in an HYSA. I'd like to keep some cash in the HYSA but I'm also interested in investing (I have a Roth IRA and a regular brokerage account). How much should I keep and how much should I invest? Or should I just keep DCA-ing it?

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Keep DCA-ing no doubt

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I feel comfortable with ~6mo of necessity expense saved. Last year I started putting a bunch into series I bonds currently at 9.62% interest rate, if you can wait the 12mo for it to be accessible, it’s considerably better than HYSA ~2% and safer than stock market this year.

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Yep .gov

Honestly, 2% guaranteed is better than the uncertainty in the market right now

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F

Are there any penalties to your HYSA or restrictions of any sort in regards to pulling money out

Nope! Luckily none

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