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That's what Andrew did.

He is calling from Atlanta.

Welcome to the program.

Andrew, what can I do for you?

Hi Jill, thanks. So I had some questions about whether it makes sense to invest

emergency funds in a low risk investment option, like a bond index fund or something like that.

And also on top of that and related is funds that are not necessarily emergency funds but funds that might be for

and mysterious anticipated purchase in the future like a home improvement project or a car or

something like that.

Yeah, almost like an intermediate term need. I don't need it in a year, but I need it probably in the next few years for some money there. So tell me a little bit about yourself.

Sure, I'm married 41. My wife is 38. We have two boys, 8 and 3. We make about 300,,000 a year.

My wife is a teacher, but she's been staying home

with the kids for the last several years.

We can save right now about $6,000 and $6,500 a month in various instruments.

But that's kind of a new development.

We're playing catch up a little bit on a retirement fund. We finally kind of got to the point where we paid off all

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