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nothing over $100,000 in any bank. FDIC only covers $100,000 for each bank, not each branch, but each institution.
I have 6-12 months in CD ladders for emergency funds. It's 6 months salaries in current lifestyle, if we have to tighten our belts that 6 months can last 12.
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I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not.
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