I have all my money invested also, some of it not so well invested, like my home. I do keep a few grands ready to go in my safe, just in case, one never knows. Who would of ever thought that my home would be worth 20K less today than when I bought it in 1990? Fucking banksters, real estate agents, wall street crooks, home loan sharks. I thought I'd be able to leave my grandkids a couple a hundred K in equity, kiss that dream goodby. The real estate market in Vegas is so fucked that I will never see return to positive equity in my lifetime, when I die, my wife will probably have to walk away and move into our condo, which was bought well and has kept its value, actually gained about 20K.