<prompt> Human: Why cant I put a majority of my emergency money into the lower risk stocks? Okay I have been following this subreddit for awhile. I have been trying to follow the best practices to the best of my ability. I was talking with my friend about my emergency fund because Im trying to hit my target 3 months worth of living expenses which comes out to about 12,000. Basically my friend says screw that keep 4,000 and put the rest in the market. If I need cash I have a credit card to hold me over temporarily until my stocks cash out and I still have the 4000 immediately. More than one month of mortgage is not a real problem. Ive only recently started playing with the stock market but in my recent experiments it seems to take about a week to sell off a stock and have the money deposited into my account. What is wrong with this logic? Assistant: I keep 3 months in a high interest savings account and 2 months in the market. If I lose my job thatll give me some time to sell my stocks if needed.Human: If I lost my job or was injured I would immediately start planning the next months expenses. This doesnt take 3 months. Assuming this happens once or twice in a lifetime is it worth it?  <response>: This doesnt take 3 months. A lot of your replies are of the form I dont really see that as being very likely, since it hasnt happened to me so far...You can do whatever you want with your money. People have explained to you why they recommend 3 months expenses in cash. It seems like youre arguing with them in order to convince yourself that youre right. I would keep in mind that the universe can be streaky. What happens if the market turns and then you lose your job? Or a million other things. If you think youre safe, vaya con dios. We save our emergency fund in cash so we never have to worry about what if. 