Okay, I hoard in a savings account instead of checking, but how else should I save for a down…

I have part of it in stocks, but I really don’t suggest that unless you’re looking at a long window and stocks are not crazy overvalued. I’m 2 years out now and going to try transferring it to bonds or something in anticipation of volatility soon. The only reason I can do this is because I can use my mother’s financial adviser, otherwise they probably wouldn’t give me the time of day. Most of it is in a savings account — now 1.15% at Ally!