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Briantist
Dec 5, 2003

The Professor does not approve of your post.
Lipstick Apathy
You can have multiple bank accounts. Open a free account somewhere just for your efund. It's easy enough to do transfers in and out of it for non-emergency stuff, and you can have a debit card that you keep in a drawer at home so it can't get robbed. It also means if you have some weird dispute with your primary bank, the emergency funds aren't tied up in that dispute. Liquidity + Safety.

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