[Verse 1] Sarah's got her paycheck, wants to invest it all But her car might break down, or she might get a call Emergency expenses could come any day Need three to six months saved before you play [Chorus] Liquidity first, taxes next in line Keep your cash flowing, make your money shine Emergency fund, then invest the rest Tax-efficient strategies help you do your best L-I-Q-U-I-D, liquid money sets you free [Verse 2] Planning for a wedding or a house next year Keep that money liquid, keep it somewhere near Short-term goals need safety, not the market's ride Money markets, savings accounts by your side [Chorus] Liquidity first, taxes next in line Keep your cash flowing, make your money shine Emergency fund, then invest the rest Tax-efficient strategies help you do your best L-I-Q-U-I-D, liquid money sets you free [Verse 3] Once your liquids covered, time to think of tax Traditional IRA saves you money back Roth IRA grows tax-free for your golden years Municipal bonds help high earners shift their gears [Bridge] High turnover trading means more tax to pay Buy and hold investing keeps the tax away Asset location matters, put the bonds in shelters Tax-loss harvesting when your portfolio melters [Chorus] Liquidity first, taxes next in line Keep your cash flowing, make your money shine Emergency fund, then invest the rest Tax-efficient strategies help you do your best L-I-Q-U-I-D, liquid money sets you free [Outro] Plan your liquidity needs before you start Tax efficiency is investing smart Three to six months safe, then make your move Financial planning puts you in the groove
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