<prompt> Human: Growing up, I have always been told that I should be saving, saving, saving, but after lurking on this sub, I have come to the conclusion that my money isnt working hard enough for me. I have both a 401K and a Roth IRA, and I have been maxing both out. But I have been accumulating a good deal in a savings account, and I am trying to figure out the amount I should keep in my savings account and what I should do with the remaining amount. Any suggestions?  <response>: It depends on your goals. You should aim for 6 months expenses as an emergency fund. After that whether or not you add more to your savings account for other goals house down payment, etc or invest excess cash is up to you and depends on your priorities.The wiki has a flowchart you may find useful: And the accompanying page: 