If I’m in an emergency, how do I get my money from my emergency fund?
My original plan has been to use a credit card in the meantime, and start the transfer from my HYSA to my checking account. Once the money is transferred, pay off the card immediately. But I still somehow end up with phantom Taco Bell and DoorDash purchases at the end of every month. What is a solution to this where I can keep my emergency fund in a separate bank (because better interest, and I’ll spend it if it’s too easy to access), but be able to use it if I ever need it?
EDIT: The “phantom” is me, and the purchases seldom go over $100. I’m simply noticing that having the card means I spend more than I should. Thank you to everyone who is responding with actual tips to the original question and not doing their best Dave Ai impression.
EDIT again: STOP GETTING HUNG UP ON THE DAMN TACO BELL ABD DOORDASH COMMENT. That was kind of a joke, and I’m NOT wandering out of my HYSA for fast food. What I am saying: I currently keep credit cards for emergencies, but I will often spend small amounts regardless. I am not a credit card person. How do I keep an emergency fund of ~$20k at separate banks? If I need all $20k in an hour, what do I do since most banks will not approve the transaction immediately? If it still isn’t clear, let me know. Thank you to everyone responding professionally