Yes would love to see the ability to maintain the desired balance or contribute a % to this account. Also the ability once savings account gets to X$ have the ability to make a purchase whether it’s a rental property etc. Having this add a rental property to the portfolio automatically once goal is reached would be great.

Yes, this is important to me too. I want the ability to draw down investment accounts in order to fund my emergency fund. I have a plan that includes keeping my emergency fund stable in retirement, and I want it to keep up with inflation. Currently there is no way to model this well during years when I do not have excess cash flows, and I am living off of investment sales.

Agreed - I would like a better way to model this in the decumulation phase. I also get why this is hard to do - once you reach retirement how do you really know when you should tap these funds? (Other than obvious cases like when you literally have no other money available).

Agreed —

That said, I would curious on how people think their Emergency Fund is to be used in the model. Is the placement of where it exists in the Drawdown Order, plus any expenses that are defined to explicitly use this fund, good enough? Or would this fund be excluded from any modeling, and just becomes a ‘safe-deposit box’ or ‘under-the-mattress stash’ of cash just set aside mentally, but not used for anything (so excluded from drawdown order)?

For me, personally, an Emergency Fund is for any unexpected expenses that my cashflow plan can’t handle. Quicker access to monies then cashing out stock or doing a IRA/RothIRA withdrawal. I have in my model the ability to fill up such a fund, but never have anything in my plan to actually use it…if I know such an expense will happen, then in my mind it’s not an emergency.

I expect my cashflow bucket to get refilled by all my other accounts (IRA/401k, Roth IRA, stocks, etc.), and expect my cashflow bucket to cover my expenses for the year.

But I do want my plan to show Emergency Funds always on reserve.