<prompt> Human: Hi pf, first post so be kind 3. So in my checking account I always keep a set amount in my case 400 that acts as a cushion. Then my paychecks, bill money, etc. gets piled on top of that. So I thought to myself, is the 400 really needed in my checking or is wasted money that could be used elsewhere? Thanks guys!  <response>: I like having a bit of a cushion on top of expected bills etc.And to be blunt, 400 isnt going to do much in a savings account or being invested anyways, might as well just keep it in your chequing account and basically invest in peace of mind. 