Google Sheets can't be overlooked when it comes to budgeting. It's customizable, free, and available to everyone. Learn what ...

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By 2025, make it a priority to have at least three to six months’ worth of expenses saved in an easily accessible account.

Given that, you might consider a very modest allocation, like 1% to 5%. Many investors carry cash balances as they add new money to their accounts. Dividend and bond income can accumulate as well.