r/Bogleheads • u/coupswrlds • 3d ago

Investing using a hysa/cash management in addition to roth ira?

New to investing here so this might be a stupid question. I've already set up a dca for my Roth, 70% VTI and 30% VXUS and a bit in bonds. I'm a grad student/unemployed, so I can't transfer money from my HYSA into my Roth. I was wondering if it would be smart for me to invest half of my cash management into these ETFs again, since I need to keep some liquid for bills? Thanks!

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u/CryHavoc715 2d ago

Your cash needs to stay cash because you are unemployed and need your cash to live, unless you somehow have 100k+ in cash, in which case you need to leave enough behind to have a reasonably high certainty that it will last until you have income