Any future president could use the CDC to bypass congress as a way to mandate anything in the interest of public health emergency.

I have a very liberal work schedule so I could always fly in and handle something locally in an extreme emergency. 

You could pay down your balance to $0, but still have access to those funds at any time for emergencies or future investment opportunities as they become more common when the market turns. 

@Caroline Gerardo I have the additional 5% but I would rather keep it in case of any emergencies or expenses I may need to make.

@Martin Neal ive calculated about 400 monthly on repairs or emergencies.

PM messaged me as it was over $300 but since it was an emergency they did not per-ask for approval (thankfully).   

The biggest issue the real estate market in Tampa Bay faces is the lack of supply/inventory.Tampa Bay is a fun area to live, no state income tax, DeSantis just ended the state of emergency from COVID, and if work from home continues there will be nothing requiring people to live in more expensive areas of the country. 

Earlier this year, the city passed emergency orders banning evictions if renters were unable to pay because of hardship related to the coronavirus pandemic.

@Jesse Felix Is that $15K outside of monies set aside in your emergency accounts? 

Most states have an understood prior notice before making a visit for inspection, repairs, or maintenance except in the case of emergencies.