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':"";if(a){var r=n.promos.showYahooLogo?"":"yns-no-logo";a=a.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",r).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":P,u=n.panel.headerMsg?"":" "+P,d=c?R:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",a).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,a=void 0,r=void 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If you’ve already maxed out your 401(k) contributions, built a robust emergency fund that exceeds the recommended three to six months of living expenses, and still have cash piling up, it might be time to rethink your strategy.Read Next: How To Build Wealth in 2025: 10 Smart Steps That WorkFind Out: 10 Cars That Outlast the Average VehicleWhile it’s great to be financially cautious, over-saving can mean missing out on better returns and long-term growth. Not sure if you’re overdoing it? Here are three key signs that your savings account might be too full — and what you can do to make your money work harder for you.Building an emergency fund is a smart financial move, but there is such a thing as saving too much. The general rule of thumb is to set aside three to six months’ worth of living expenses. But once you’ve hit that target, continuing to stuff your emergency fund can be a waste.“Having excess cash beyond an emergency fund can mean missing out on potential returns from investing,” said Fluent in Finance founder, Andrew Lokenauth. “The opportunity cost of playing it too safe with savings can be substantial over decades.”So, how much is enough? It depends on your lifestyle and income stability. According to Christopher Stroup, a certified financial planner (CFP) with Abacus Wealth Partners, dual income households can typically aim for three months of expenses. On the other hand, single-income earners or those with variable income should aim for six months for added financial security.Once you have a solid emergency cushion in place, you should consider putting your excess money towards other investments.Consider This: I’m Retiring a Multimillionaire: Here’s What I Wish I Knew in My 30sIf you consistently have money left over after maxing out your IRA, 401(k) and other tax-advantaged retirement accounts each year, it may be time to put that money elsewhere. Saving for the future and your retirement is crucial, but you could be losing purchasing power to inflation over time as your cash earns little interest.As accredited financial counselor and founder of Retire Certain, Camille Gaines explained, even the most high-yield savings accounts lose value to inflation over time. Instead, try putting that extra money somewhere it can do more for you, like in a money market account.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P Futures6,454.25 +29.25 (+0.46%)Dow Futures45,275.00 +191.00 (+0.42%)Nasdaq Futures23,563.00 +141.75 (+0.61%)Russell 2000 Futures2,289.30 +18.00 (+0.79%)VIX14.93 -0.46 (-2.99%)Gold3,339.00 +3.40 (+0.10%)PortfolioSign in to access your portfolioSign inTop gainersFIX Comfort Systems USA, Inc. 688.74 +125.91 (+22.37%)LYEL Lyell Immunopharma, Inc. 12.42 +2.01 (+19.31%)GNTX Gentex Corporation 27.42 +3.82 (+16.19%)NEGG Newegg Commerce, Inc. 34.31 +3.60 (+11.72%)DECK Deckers Outdoor Corporation 116.85 +11.91 (+11.35%)Top losersLBRDA Liberty Broadband Corporation 70.06 -16.58 (-19.14%)LBRDK Liberty Broadband Corporation 70.22 -16.53 (-19.05%)CHTR Charter Communications, Inc. 309.75 -70.25 (-18.49%)SNV Synovus Financial Corp. 49.61 -7.11 (-12.54%)PNFP Pinnacle Financial Partners, Inc. 91.56 -12.60 (-12.10%)Most activeINTC Intel Corporation 20.70 -1.93 (-8.53%)TSLA Tesla, Inc. 316.06 +10.76 (+3.52%)NVDA NVIDIA Corporation 173.50 -0.24 (-0.14%)LCID Lucid Group, Inc. 2.9200 -0.0700 (-2.34%)WBD Warner Bros. 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