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Old Mar 7, 2017 | 10:50 am
  #3849  
canadiancow
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Originally Posted by Cerenity
Our approach is to treat the minimum balance as part of our emergency savings.

During times when it is not needed, it helps us receive all those freebies & credit card fee waivers. When it is needed, the plan is to downgrade the account to one with a lower # of transactions to free up $2000-3000 immediately.
I treat it the sane way.

But I'm also in a situation where earning any money (interest, dividends, etc.) in Canada is bad, as does maintaining a balance of over $10k.

My TD account is my emergency Trump fund
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