I keep enough in savings to cover unexpected events, but anything over is pulled out into cash and stashed. Things like saving up for tax payments (I never get a refund; there’s always a few thousand owed), property taxes, etc. All in cash and transfer back to bank whenever a check gets written. That way if things go sideways I have the cash already out of the bank and could make property tax payment in person with cash if necessary. Being behind by less than ten bucks can result in your losing your house these days.
