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Question: You have a net salary of $90, 000 and a monthly expense of $3000. You would like to have a six month emergency fund set aside in a very liquid account: 20% placed into long term savings, and any excess liquidity to accessible within 1 year time frame. How would you manage your money so that it would get the optimal returns at 3 months, 6 months, and 1 year?

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