namaste wrote:I wouldn't waste Roth IRA space with an emergency fund. If you don't need it and don't anticipate needing it, I'd go with I bonds. Mine is in CD's in 2 month amounts in case I need it.
It wont be a waist of space as I can't fill it anyway, well I could if I did not use some of our other space. In our case for now anyway (2013) I have my work plan $17.5K, wifes 403b $17.5k, wifes 457 $17.5k, IRA's $11k, thats $63.5k of space. That would put us at about a 50% savings rate, wish I could fill it but with kids in school + sports, church etc its not going to happen. Toss uptop of the tax avantage space the wife pays into the state pension plan.
I will admit that CD's and Ibonds appear to be less hassle though.