Emergency & Savings Vehicles
Emergency Funds
Your emergency fund is your first line of defense against financial setbacks. It’s not about fear — it’s about freedom. By saving three to six months of living expenses, you create breathing room when life throws a curveball. This reserve protects your lifestyle, your credit, and your peace of mind.
Money Market Accounts vs. Money Market Funds
Both are excellent tools for short-term savings — but they serve slightly different purposes. Money market accounts are FDIC- or NCUA-insured and act like high-yield savings with easy access. Money market funds are investment products that offer competitive yields with minimal risk. At The Jordan Wealth Group, we teach how to use both strategically to keep your cash working without compromising safety.
Short Term CDs & CD Ladders
Certificates of Deposit (CDs) are time-based savings tools that reward patience with predictable growth. Short-term CDs — typically 6 to 12 months — offer stability and higher interest than traditional savings. CD ladders take this a step further, staggering maturity dates so you earn more while maintaining liquidity. It’s a disciplined, structured way to grow wealth with minimal risk.
U.S. Treasury Securities
Treasury securities are the gold standard for safety and stability. Whether it’s short-term Treasury bills or longer Treasury notes and bonds, these government-backed investments provide reliable returns and peace of mind. Many investors use them to balance their portfolios and protect generational wealth through guaranteed income and low risk.