> The total I had to pay was about $20k. I didn’t think a lot about it after that. You must be living in an entirely different world to me that you don't think

> The total I had to pay was about $20k. I didn’t think a lot about it after that. You must be living in an entirely different world to me that you don't think about an upcoming $20K pull. I would have been calling up Carta after ~10 business days, if not sooner, if they were making me sit on $20K in cash. > and it had overdrafted my checking account by $1k (I don’t keep a ton of cash around). If a $20K overdrafted by $1K, then you had $19K in cash. I can't imagine what your monthly spend is like to feel the need to keep that much. I only keep $5K. First paycheck of the month comes in on the 1st, mortgage payment comes out on the 2nd, and I pay off the credit card. Anything over $5K left goes into savings. Second paycheck comes in on the 15th, pay off the credit card again, pay utility bills, car insurance, make my monthly IRA contribution, and then again throw everything over $5K into savings.