u/OoklaTheMok1994

My 6 month job loss emergency fund was done a while ago.

Now I'm building emergency funds so I don't have to touch my emergency fund. I have a high deductible health insurance plan. So I've been building an "out of pocket max" health emergency fund. Our cars are relatively new, but I'm building a what if the transmission fails emergency fund. Then there's the what if the washing machine (or any other appliance) breaks emergency fund. These are all just sitting in HYSAs.

I should just dump them into some mutual fund instead.