text:  Right? So we use a high-yield savings account. So what would I do if I were in your shoes? I would sell these stocks and turn that into a liquid savings account. And as far as sinking funds, don't conflate the two. Because what happens is you have an emergency and you go, well, I'll steal from my vacation. Or you have a vacation and you go, well, the vacation's an emergency. So separate them. Keep them all in separate savings accounts. And you have a $1.2 million net worth. I don't know what's going on here that you guys don't have this.