SarcasmUndefined

Having an emergency fund of 3-6 months is probably the most common personal finance advice you'll receive. I don't wish to suggest it's wrong, but instead would like to consider it in the context it's typically given.

I believe the assumed context the advice is what I'll call a tracking budget (or maybe traditional?). By that I mean, you determine your monthly pay, then define categories and how much or how little each category should be. The sum of the categories should be less than or equal to your expected monthly paycheck.

But if you use YNAB you budget with the money you have. Not the money you will eventually receive. The YNAB philosophy encourages you to save at least a month's of

I don't usually pay attention to what my Available amount is on mobile, but I just happened to notice it is incorrect as hell. The good news is that it is correct on the web.

What I suspect the reproduction steps are:

1. Start with several categories

2. Create a new category

3. Move all the money from each category into the new one

4. Delete the old ones

5. Observe the Available amount seems to be increased by the new category amount

I've set up my emergency fund and maxed out my Roth IRA for the year.

I'm thinking of putting the money in either I-Bonds or in Vanguard Total Bond Index Fund (VBMFX), or something similar. Ideally, I want to place it in something with little to no risk, but better returns than a savings account or a CD.

I'm leaning towards the Vanguard Bond Index Fund (and later moving up to Admiral shares once I hit 10k).

Any ideas?