u/Lazy-Purpose6385

I’m currently trying to figure out how much money I should keep in my chequing account vs a high-interest savings account vs investments. For context, I also have TFSAs and RRSPs, but neither are maxed out yet. I’m working on improving my budget and trying to decide how I should split extra income between savings, investing, and keeping cash available. My household expenses (mortgage, groceries, car payment, insurance, etc.) are about 40% of my monthly income.
How do you personally decide:
how much to keep in chequing,
how much to keep in emergency savings,
and how much to invest instead?
Just looking for what’s worked well for others or any free resources to help guide me!