Bank Crunch Survival Guide

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Bank Liquidity Crunch: Stay Steady, Not Scared

(Quick tips to protect your cash and sanity during a bank squeeze — think SVB vibes, but you got this.)

🧊 1. Chill — Your Money’s (Probably) Safe

FDIC (or your country’s equivalent) insures up to $250,000 per account.

Got more? Split it across banks now.

Panic withdrawals make things worse — steady hands win.

💳 2. Backup Your Basics

Open a second checking account elsewhere.

Keep a month’s bills ready there and make sure the debit card stays active.

Pro tip: Link it for fast transfers — don’t wait for “processing.”

💼 3. Diversify Like a Boss

• Cash buffer: 3–6 months’ expenses in a high-yield savings (FDIC-protected).
• Spread it: Mix in money market funds, Treasuries, or credit unions.
  Don’t go full mattress-mode.
• Debt smart: Pay down high-interest balances, but keep liquidity for curveballs.

🧠 4. Watch & Act Smart

• Track your bank’s health (use news or finance apps — skip doom-scrolling).
• Trim subs and renegotiate bills — feed your emergency fund, not fear.
• Talk it out: A fee-only advisor can bring calm clarity. Avoid “hot tip” panic trades.

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Bottom Line

Crises come and go.

Focus on what you control: prep, diversify, breathe.

You’ve built this far — keep it simple and strong.

Share this if it helps a friend.

#BankWise

(Sources: FDIC basics, recent crisis recaps. Not financial advice — consult a pro.)