So I have a big expense coming up in the next couple of weeks that I really wasn’t expecting. I’ll need around $10-$20k in total I imagine.
I have around $15k in my savings account which I’m hoping will cover it but I’m guessing that it won’t.
I also have $11k in my brokerage account (VTSAX) that’s been there since 2015 so it’s effectively gained 10% despite the huge loss we’ve all seen in the last year. I also have ~$40k in my Roth IRA contributions and ~$60k in my pre-tax 401k.
I also bought $10k in i-bonds earlier this year thinking I wouldn’t need the money soon but that’s neither here nor there because it’s inaccessible. Lesson learned: try not to tie up your emergency fund if at all possible.
I’m thinking about the best place to draw from in case I need more cash for my upcoming expense.
The cheapest place would be to borrow from my 401k but then I got to thinking… would I borrow from my 401k to put money into a brokerage account? Because that’s effectively what I’d be doing if I didn’t take money from my brokerage. The tax hit would be rather minimal from cashing out the brokerage because I only earned ~$1k from that account.
Any thoughts? Where would you withdraw from?
Personally, I would take it from the brokerage account if needed. I would build my cash emergency fund back up to a comfortable level before recontributing funds back to the brokerage account. I would not take funds from retirement accounts or take loans against them if other options exist. If borrow from 401k and leave your job for any reason I believe (but not sure) you would need to immediately pay it back creating yet another problem.
Withdraw from savings, and get the rest from income coming in or spending less, if possible
Could you open a credit card with a 0% interest promotion? Many offer 12-18 months at 0%. Then you could pay it off when you can cash out your I bond. Just don’t forget to pay it off before the promotion ends and you get slammed with high interest.
I’d withdraw from the taxable brokerage account.
Can’t have your cake and eat it too. It’s either an investment or an emergency fund not both.
I would borrow from the 401k since it’s the cheapest. You will be able to access I bonds in 2023 to pay off the 401k loan. If needed, you would still have access to the brokerage.
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