Maybe I’m old fashioned, but despite having a paid off HELOC that can cover 42 months of current monthly expenditures, and several zero balance credit cards… I

Maybe I’m old fashioned, but despite having a paid off HELOC that can cover 42 months of current monthly expenditures, and several zero balance credit cards… I don’t want to be relying on that if I lose my job. Lines of credit can be taken away, and usually at the worst time. So I’m happy to forego some returns on a moderate sized emergency fund in exchange for peace of mind.