You need an emergency fund. 6 months in savings, preferably another 6 months in ibonds. After a year you can roll the 6mo in savings into another tranche of i

You need an emergency fund. 6 months in savings, preferably another 6 months in ibonds. After a year you can roll the 6mo in savings into another tranche of ibonds. Of course, this may not be necessary if you have 3x your yearly expenses in investments you can cash out if needed, but better safe than sorry.