Is having about $4,000 in a checking account too much?

I am not a financial counselor, but during times when most of the world ecomomies are uncertain, most of what I have read suggests saving 3 months expenses, including rent, car payments, food, insurance... it might seem a lot but it goes fast!

If you don’t plan on using it anytime soon then you could benefit from it being in a savings account obviously the better interest account will have withdrawal time limits so could be an issue if you need quick access to your funds.

However, I personally wouldn’t say it’s too much to have in your account

You save a anything you can. There's no real 'limit' to what you should save considering something like a totaled vehicle or hospital visit could wipe out a savings account of you weren't expecting something like that to come up.

Considering I'm still recovering after having been out of work for just 2 months last year I'd say focus of saving every penny you can after expenses are paid.

I have an online bank it it offers a feature which lets you tell it the maximum that should be in the account on a specific day of the month (just after pay day for instance). Then it moves anything over that automatically to my high interest account. Perhaps your bank has or could create a similar feature.

There is no need to keep any more in a current account than you intend to spend in an average month.

That depends on what your bills are and your cash flow needs. A good rule of thumb is to have saved up a month's salary that is readily accessible . I used to deposit into my checking what my months bills were the day before I mailed the checks. $4K isn’t excessive. 😉

Not if it’s needed for your monthly expenses. I decided to transfer more than half of my checking to savings because I feel it’s safer there. If your checkbook of debit card is lost or stolen, they can’t access your savings. Just keep what you need for the month and save the rest.

Yes. Move the money to a high interest savings account, or a secure liquid investment.
Checking accounts typically pay no, or little interest.

Again, no expert, but consider how many months rent or mortgage you can cover. Many people spend 4k in a week, or a month...

Depends -- if it is a checking account with interest, then I'd say "no". Also depends on how much your bills run per month.

I'd increase it to 10,000 if possible.

save what you can but try to have some extra in you checking account. we keep 1 weeks salary in ours

Pay off your credit cards

I hav 2o bucks to my name id love to have that much saved