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Yes, I have some on there, and I'm aware of the risks

I use liquid, but never keep more than 5 million sats on my wallet.

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That's a good rule

5 million?!

I kept 1 milli on Phoenix but after a month I got too squeamish and sent it to cold-storage 😅

We all have our own risk tolerance

The dollar seems more risky to me than bitcoin since the banks began to fail and I noticed the FDIC is basically out of cash.

Exactly

It's my emergency fund.

My wife likes to have her check deposited to bank of america.

I think this bank is insolvent.

I like to keep access to 5,000,000 sats in case something goes wrong with the bank and I can't get access to the fiat to pay our mortgage.

When that amount exceeds a 3 month emergency fund, I'll make I'll send more to cold storage.

You’ve given me food for thought - I appreciate it

I’ll rethink my zero lightning funds stance…

Exactly

Better to have access and not need it, than to need it and not have access to it

which wallet do you use if it’s liquid?

AQUA?

I use Aqua now, but I used botlz and green wallet before.