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

This is just a question. If not then what is the average that we should be saving.

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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.