In regards to the note about limited access, the fact that we treat our EF as income replacement instead of cash to meet irregular expenses is what enables the limited access to be relatively inconsequential, but I still should have pointed it out for those who do need it for the latter. Thanks for bringing it up.

One thing to keep in mind is that access to the money in the CDs is limited. In our case there’s a 7-day period after each CD matures when we can add or subtract money without penalty. Not a big deal in your situation but important to keep in mind if you aren’t able to get through those other 3 weeks without the EF.