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Investing
I realize the original question is several months old. The global economy has changed a bit since then and the geopolitical situation has deteriorated even further.
I am a retiree with no income other than my investments (and a pittance from Social Security). In anticipation of a recession, I maintain 2 years of living expenses - a lot more than the $12k in the OP - in cash and cash equivalents.
‎September 7, 2019
3:47 PM