<prompt> Human: I like to have around at least 4K-5K in my bank account as a buffer and just to feel good. But today I was thinking...its just sitting there doing nothing, my monthly expenses are not 4k. Should I take a large chunk of that and investpay off student loans? Should I really be entertaining around 1K-2K in my chq account?  <response>: In my checking, I keep the high end of a months expenses plus the value of any outstanding checks. Everything else goes to savings 