You have excess cash. You anticipate that you will need to have 6 months worth of expense covered, in case of emergencies. You want to make sure that you can have access to your cash, but also gain interest as well, throughout the 6 months. Your expenses are $2300 per month. You have $20,000 in cash. You want to put it in various accounts or funds for: 1 month, 3 months, 6 months. The remaining amounts you want to have put into something that will earn you the highest interest rates. How would you allocate or tier them in various accounts (checking, NOW, savings, MMDA, CDs, T-Bills, Mutual funds, brokerage accounts, asset management accounts), in order to manage your liquidity (have access to your money and still gain interest)?