No we don't right now. We have a 401K but it is for retirement if we withdraw from it the penatilies would be to much. I am hoping that this year it will be different for us. So far so good.
We do. We have about $5,000 that we don't touch. We also have a home equity line open (nothing on it) so we can borrow against the equity in our house (over $150,000) in the event of a major catastrophe. We also have stocks that we could sell if we needed them. Can you tell we are majorly conservative with our money?