Exactly, I feel like this hits a good balance of prudence and pragmatism. It's kind of a double-edged sword for me since I happen to be heavily into liquid cas

Exactly, I feel like this hits a good balance of prudence and pragmatism. It's kind of a double-edged sword for me since I happen to be heavily into liquid cash at the moment...but I also have higher cash needs because I quit my job a month ago and am planning on taking 6 mos to a year off. Either way, beyond a bit of an "emergency fund" on steroids, this is actually how I'm taking it: a good starting point for some conservative DCA.