Financial planning

Maximizing household liquidity for today and tomorrow

June 27, 2023

An infographic categorizes the suitability of different account types for preparing for spending shocks and income shocks.  For spending shocks, checking and savings accounts are considered best, taxable brokerage accounts are good, and caution is advised with Roth IRAs, traditional IRAs, employer plans, and HSAs.  For income shocks, taxable brokerage accounts are considered best, Roth IRAs are good, caution is advised with traditional IRAs and checking and savings accounts, and employer plans and HSAs are considered poor.
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