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07-07-2025, 12:41 PM
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#26751 | | Willing to sell body for a few minutes on RS
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Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account.
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07-07-2025, 12:44 PM
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#26752 | | I have named my kids VIC and VLS
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Typically between 5 and 15
Seems pointless to keep much more than that in and not invested in TFSA or at least gaining something. Worst case toss emergencies on credit cards, absolute worst case pull out cash advances from credit cards
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07-07-2025, 12:45 PM
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#26753 | | Anal Mcgee
Join Date: Oct 2016 Location: Ricemond
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enough to buy a birkin or kelly in case of emergencies (they just randomly tell you that your shit is in, no warning and youre out 30-100k depending on which one of your "wishlist" items comes in).
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07-07-2025, 01:02 PM
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#26754 | | HELP ME PLS!!!
Join Date: Dec 2009 Location: Burnaby
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Originally Posted by whitev70r Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account. | This is Revscene you know what kind of answers you're going to get back here 
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Originally Posted by MG1 In Mike we Trust | Quote:
Originally Posted by westopher LOOK AT ME IM MIKE AND I HAVE A BIG HOG AND I DRINK TEQULA AND WORK OUT AND LISTEN TO CHARLI XCX ON THE BEACH IN BERMUDA
Grow up fuckin Peter Pan and get a good nights rest. | | |
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07-07-2025, 01:08 PM
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#26755 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
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How are some of you dipshits so poor? Get out of this forum! Don't need any of this homelessness. Should be illegal here and ship you broke dicks off to Siberia!
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Originally Posted by Badhobz I’m totally justified in whoring. Let me show my wife this. | | |
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07-07-2025, 01:10 PM
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#26756 | | RS Veteran
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Originally Posted by Hondaracer Typically between 5 and 15
Seems pointless to keep much more than that in and not invested in TFSA or at least gaining something. Worst case toss emergencies on credit cards, absolute worst case pull out cash advances from credit cards | Deport!
__________________ Quote:
Originally Posted by Badhobz I’m totally justified in whoring. Let me show my wife this. | | |
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07-07-2025, 01:14 PM
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#26757 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2002 Location: Vancouver
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I get antsy when my balance falls below $10k...
But in reality, I also have a line of credit to fall back on for emergencies.
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Looks like I'm gonna have some hot sex again tonight...OOPS i got the 6 pack. that wont last me the night, I better go back and get the 24 pack! -Turbo E
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Honest to fucking Christ the easiest way to get a married woman in the mood is clean the house and do the laundry.....I've been with the same girl almost 17 years, ask me how I know. - quasi
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07-07-2025, 01:19 PM
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#26758 | | RS Veteran
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Poor! Deport! 
__________________ Quote:
Originally Posted by Badhobz I’m totally justified in whoring. Let me show my wife this. | | |
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07-07-2025, 01:38 PM
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#26759 | | Limited to Fight Club
Join Date: Apr 2001 Location: Vancouver
Posts: 6,627
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Originally Posted by whitev70r Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account. | I have like $100-$200 available usually. Zero investments. I own two cars and some furniture.
Recently built an AI-powered app that makes me $1000 USD for a day's work putting together ad packages for my client with my app and the AI, but I'm improving it at all times so it takes less work and clicks to make that money with.
If I can get back on my feet and have a running vehicle again, really want to see if I can build a smart wrench prototype somehow.
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07-07-2025, 01:53 PM
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#26760 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Aug 2007 Location: Paradise, BC
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Isn't the general rule of thumb somewhere between 3 - 6 months' worth of your expenses?
Admittedly, my cash reserves have dwindled down to the 2 - 3 months marks after the multiple rounds of major & bigger home repairs that took place, and with my cash flow being pretty poor also, it's gonna take time to build the reserves back into the healthier end.
For now, the back up plan is a LoC. Obviously that is not good, and I hope I'd never have to tap into that. Quote:
Originally Posted by whitev70r Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account. |
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Originally Posted by westopher The whole world has gone down a road no one can recover from, and it's nothing to do with governments, it's because so much of the general public is so fucking stupid. | | |
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07-07-2025, 02:00 PM
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#26761 | | I have named my kids VIC and VLS
Join Date: Oct 2001
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If you have say, managed investments
What’s the turn around time to pull out from TFSA’s?
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Dank memes cant melt steel beams
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07-07-2025, 02:01 PM
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#26762 | | RS Veteran
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Mods - Please change this forum name to brokescene.net
Ok, in all seriousness, my post was meant to be sarcastic and a play on Hondaracer's love of Hungary's policy on homelessness and how it's assumed everyone on here's household income is $250K (which is probably a lot higher now.)
Happy posting!
__________________ Quote:
Originally Posted by Badhobz I’m totally justified in whoring. Let me show my wife this. |
Last edited by bcrdukes; 07-07-2025 at 02:05 PM.
Reason: Typo
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07-07-2025, 02:08 PM
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#26763 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
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Originally Posted by Hondaracer If you have say, managed investments
What’s the turn around time to pull out from TFSA’s? | TFSA is just a stamp applied to the money/investment seed money… so it totally depends what you’re invested in? Could be as simple as selling stocks and moving the balance out but if you’re in a timed investment of some sort then you’re at the mercy of that.
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07-07-2025, 02:13 PM
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#26764 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
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I do 1-2 months then LOC for emergencies.
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07-07-2025, 02:26 PM
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#26765 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2002 Location: Vancouver
Posts: 10,752
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Originally Posted by Badhobz enough to buy a birkin or kelly in case of emergencies (they just randomly tell you that your shit is in, no warning and youre out 30-100k depending on which one of your "wishlist" items comes in). | YOUR bank account, not the spy's!
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Do Not Put Aftershave on Your Balls. -604CEFIRO
Looks like I'm gonna have some hot sex again tonight...OOPS i got the 6 pack. that wont last me the night, I better go back and get the 24 pack! -Turbo E
kinda off topic but obama is a dilf - miss_crayon
Honest to fucking Christ the easiest way to get a married woman in the mood is clean the house and do the laundry.....I've been with the same girl almost 17 years, ask me how I know. - quasi
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07-07-2025, 02:27 PM
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#26766 | | HELP ME PLS!!!
Join Date: Mar 2006 Location: Vancouver
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I don't see a huge reason for keeping a large cash reserve on hand. We are all old enough to have a sizable LOC or even a HELOC to pull money out of. Sitting money is either not making you any money, or you could be paying down debts.
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07-07-2025, 03:47 PM
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#26767 | | Anal Mcgee
Join Date: Oct 2016 Location: Ricemond
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Originally Posted by Gumby YOUR bank account, not the spy's! | I got -20 dollars. She took it all. I make the money and she takes it all and gives me back a lousy allowance. Quote:
Originally Posted by EvoFire I don't see a huge reason for keeping a large cash reserve on hand. We are all old enough to have a sizable LOC or even a HELOC to pull money out of. Sitting money is either not making you any money, or you could be paying down debts. | Only a broke ass schmoe would say shit like this you indentured house slave !!! You’re not on hehes level unless you can throw 50k in a single envelope and drop it like it’s….. hoe?
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07-07-2025, 04:05 PM
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#26768 | | Willing to sell body for a few minutes on RS
Join Date: Nov 2002 Location: 604
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$$ in my TfSA takes about 1-2 working days to confirm the transaction. Once it is confirmed, then I can transfer to my bank account which takes another 2 days so prob 4 in total at the minimum.
Yes, we all have some sort of credit card max or LoC which prob covers most 'emergencies'. But if I got myself into some $$ trouble that I can't wait 4 days, then I might be in some real deep gambling addiction or I might need help from some RS balling friends.
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you can quote me on that Quote:
Originally Posted by mikemhg Stay anonymous my friends. | Quote:
Originally Posted by bcrdukes "Trying is the first step to failure." - Homer Simpson | | |
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07-07-2025, 05:11 PM
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#26769 | | Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011 Location: North vancouver
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Originally Posted by whitev70r Curious, how much $$ do you keep in your bank accounts for emergencies, that you can access like today if need be? Some people I know keep like $15-20K or like $30K ... that seems like a bit much. I've had as little as $5K but now about $10K.
Not referring to $$ locked up in investments that you can cash out and take like a few days to see in your account. | Keep a float of about 10-15k in our chequing and then another 10 in an interest chequing account.
Have access to another 40ish in unsecured LOC. Really not enough to be comfortable though considering monthly expenses. Another 10 and I’d feel good.
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07-07-2025, 05:55 PM
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#26770 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
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Those with $10-25K in CHQ, can't you withdraw from your $xxx,xxx investment accounts too if worst comes to worse.
With that nest egg, I wouldn't worry much
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2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
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07-07-2025, 06:33 PM
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#26771 | | Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011 Location: North vancouver
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Most of my investments are RRSPs and such so I’d get buttfucked if I took any money out.
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07-07-2025, 10:01 PM
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#26772 | | Need to Shave n Shower, but I CANT STOP POSTING ON RS
Join Date: Apr 2007 Location: Okanagan
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Originally Posted by EvoFire I don't see a huge reason for keeping a large cash reserve on hand. We are all old enough to have a sizable LOC or even a HELOC to pull money out of. Sitting money is either not making you any money, or you could be paying down debts. | That's what I do, my account fluctuates between 1k and 10k but the amount available in the HELOC is quite large and I can pull from that any time if anything happens. The way I look at it the amount I'd pay in interest on brief use of it is less than what I'd be effectively "paying" by having more cash sitting there not gaining any interest.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
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Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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07-07-2025, 10:21 PM
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#26773 | | RS has made me the bitter person i am today!
Join Date: Mar 2011 Location: Vancouver
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I don't keep an emergency fund anymore but I do keep around 40k cash float that's roughly split 50-50 between my chequing account and a number of savings accounts (used to hold funds for property taxes, vacation, and any large 1 time recurring bills). After that I have enough cash equivalents in my investments accounts to cover anything that might come up.
I'm of the opinion that if you've got a fairly sizeable non-RRSP portfolio that you don't need an emergency fund unless you're in pure equities. Selling off stuff like gold or bonds to cover an emergency is NBD.
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07-08-2025, 12:07 AM
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#26774 | | My homepage has been set to RS
Join Date: Nov 2005 Location: bc
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i just keep 3-5k in my account for whatever, everything else is invested.
any legitimate emergency will allow you at least a couple days to get your money straight.
and tbh if you need that money right now RIGHT NOW bad enough then you can pull from loc or cc.
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what 7 you say?!
你老母炒蟹
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07-08-2025, 07:52 AM
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#26775 | | It's like going crazy when you're already nuts
Join Date: Aug 2005
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White XC90 Plate # PF988V
LG fob bitch keyed my car! Even came back to the scene of the crime to pat herself on the back and document her shitty behaviour.  | |
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