<prompt> Human: Let me preface this by saying I have a nice car, a decent emergency fund 3 months living exp and no immediate personal needs. I was thinking about investing it in stocks long term. But Id like to make sure Im going with the best option.  <response>: You should keep it in a bank account for immediate needs, such as books or tuition. If you are already working, perhaps build up your emergency fund to 6 months. 