Update on EF location

BS3

This is an update from my previous post in May:

https://www.reddit.com/r/DaveRamsey/s/4tGu81DD1h

I know that Dave says put your emergency fund in a money market account or HYSA. Well, I took the risk and put it in VTI in a brokerage account, less than 2 months ago.

I started with $15,300. If I left it in my HYSA with 3.5% interest, I have since added $200 more so it would have been at around $15,545.

In VTI in the brokerage instead, my total gain has been $510. I also received $45 in a dividend. With the $200 more I put in, I'm sitting at $16,100.

It is my first time actually tracking my investments. Before I had a 401k that I never looked at. I'm trying to follow a Boglehead approach and will be DCA every paycheck and putting any monthly extra into it.

My plan is to have one large account of savings for all my sinking funds and EF. I feel like I should have put my EF in a brokerage from the beginning. What am I missing?

Posted Jul 10, 2026, 7:32 PM UTC · locked

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