I am looking to increase my savings amount past my current rate of about 38%. I am maxing my 401k, Roth IRA and recently my HSA.
Given the current situation I like having the fluffy emergency fund but don't want to let it just sit at 1% forever. It appears that if I throw some cash into an individual account I can take it back out pretty much anytime without penalty? I assume you just can't take out any gains without being taxed on that amount. I'm not looking to wipe out the EFund but to at least reduce it to more normal levels while making sure I still have access to it all if needed.
This is all pretty much the same rules as Roth IRA withdrawals?
I plan on buying more VBTLX as my bond holdings are only about 16%.