RyanW strategy seems like a great solution. The only thing that I could add is the emergency money should be in liquid assets, easy to access like a savings account. As you get older the emergency account should expand to include six months, one year, etc. expenses. When I reached this point I put money in CD's that matured every month. Retirement should be in long term investments that are not liquid. My discretionary savings is kept in cash which makes it harder to spend. When saving for a large purchase like a car or house then when a certain amount is saved it is put into a CD.
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