Mr. Sam has been talking about doing some trading (stock trading) outside our 401ks and outside our IRAs. He wants to make more money and he thinks he can do so via the market. Mr. Sam has an MBA and he is a numbers guy, an analyst, so I have been encouraging him to investigate, contemplate, research want he wants to do.
Well last week when the market was down, we pulled $5,000 from the emergency fund (so the September numbers are not accurate) and he/we invested it all in one stock in a non-tax advantaged trading account.
I have decided that going forward I'll track it on my numbers updates. But, that means we are down $5,000 in our emergency fund and down $5,000 for our 2010 savings goals. Mr. Sam thinks we should keep counting it as part of both but I disagree.
I am not super happy about this move, but I want Mr. Sam to participate more in our personal finances, he has the MBA, he has the numbers brain, so I voted in favor (remember that any financial move over $300 has to be agreed to in our family) and we will see how it goes.