<prompt> Human: I recently funded an emergency account with roughly 20k. It is a HYS with a 1.45 APR. Now I am kind of wishing I had instead put that money and invested it via Robinhood into Amazon stock as it doesnt appear Amazon is going anywhere soon. I certainly understand that at the end of the day, stock is risk - BUT - I dont see Amazon really hurting over the next year. Thoughts on transferring my funds?  <response>: Emergency funds are for emergencies, and are not intended to grow in value. Theyre there as a safety net.If you want to invest in AMZN thats great, but do so after your emergency fund is adequately funded. People didnt think Enron was going anywhere either and if they had taken your strategy, theyd be SOL. 