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nkyguy1988 t1_j2bvqpj wrote

The late 90s and early 2000s had nothing to do with having an advisor or not. That was peak dot com bubble burst. If you think now is bad, this doesn't compare to that.

What are you wanting a financial advisor to do for you. You should probably be doing more than trying to max out 401k and IRA. On top of that you can just invest the same way but in a taxable account. Excess savings without a clear objective in T bills/CDs/HYSA isn't smart in the long run. Define your purpose and invest that way. Mindlessly throwing money in savings isn't smart.

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[deleted] OP t1_j2bzysw wrote

[deleted]

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nkyguy1988 t1_j2c0jei wrote

T bills/CDs/HYSA are the perfect vehicle for sub 5 year time horizons. I just wanted to make sure you weren't putting money in those things without an objective. Otherwise, the only cash on hand should be immediate bills and 3-6 months emergency fund. Totally fine to have those plus a house saving fund.

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