Here are a few strategies to potentially pair with keeping less cash for your safety net or your short-term goals. So one is 0% APR credit cards. Some credit cards offer 12 to 18 months of no interest on purchases, sometimes on balance transfers. Usually you're gonna make a minimum payment, but you're not gonna have to make the full payment.

And so this could be a great backup emergency buffer for circumstances where you all of a sudden need some cash and you don't wanna have to sell your investment accounts. You could take advantage of 0% APR credit cards. Now, there's no guarantee that they will be around when you need them.

There's no guarantee you will get approved for them. And so obviously these strategies are advanced because they come with some risk, but it is something that I know people have been able to take advantage of in those circumstances where they wanted to avoid selling from their taxable brokerage account.