This is probably a dumb one, but here goes.
I've got a tiny house with one bathroom, and it only has a shower. I love taking hot baths, used to do it 2-3 times a week, more often when I'm sick, and I miss that. I have a pretty big shed in my back yard, think one of those pre-fab things... it's got some tools and stuff but it's mostly empty space. It's pretty close to a hosebib and an exterior electrical outlet on the side of my house, so I've got cold water and extension cord access.
Is it even reasonable to consider ways to set up a tub in the shed? Maybe freestanding? maybe something I build from fiberglass? I'm pretty confident I can drain the water out into my backyard with no issues (big yard, neighbors won't see / care), but is there anything obviously impossible or really stupid about this idea? Is it possible to use an electric water heater or should I figure out something with propane / butane? Anyone tried anything like this before?
I still have a FB account since it's the only contact I have these days with a lot of my highschool friends. I logged in earlier today and saw this "NASA is a hoax" garbage in my "suggested" feed.
There's nothing in my history to suggest I have any interest in conspiracy theories. My friends are probably right-leaning on average (I'm from a small town in the south - so it goes), but I clicked and none of them are in that group. So I'm sort of assuming this is promoted. Joy.
Husband quit his previous job & took the summer off to work on some personal projects / reset for awhile. For various reasons he wasn't able to start job searching until the middle of November, just in time for Thanksgiving, and now the job market is shutting down for the December holidays. He's starting to get super discouraged that he can't find any positions (first time he's really struggled to find something quickly). I'm trying to keep his spirits up but the longer it goes the more discouraged he gets. : / Not really a financial issue but it really goes to show how much the whole "your worth is your job" mindset our society has affects people.
I own a house in the midwest and recently got a spirit level for some repairs. However, I don't stay here in the winter - I go south where it's warmer. Can I leave my level here in the house? temps will probably get down to -30 or so.
We have about 100k in a taxable brokerage account, 99% VTSAX, plus more in retirement accounts that we don't want to touch.
What's a good way to structure a larger emergency fund?
My husband and I are buying an older home so we'd like to increase our immediately available liquidity from 8k to 30K in case we have any unexpected repairs. The current balance just sits in my checking account, but I'd like to shift it somewhere easily accessible and highly liquid, while also have it earning enough to at least keep up with inflation. Possible options I'm aware of:
- HYSA (not available at my current banker, boo, but I could open another account)
- Money market fund
- Money market account
- more VTSAX and chill (accepting the risk that we might have to sell in the future if something does come up).
- ???
Curious to hear people's thoughts and philosophies on the topic. This is our first house and we've both always rented, so not something I've really considered in depth before.