<prompt> Human: About 7 years ago I started my emergency fund and have been adding to each year. When I started it, I was just starting my responsible adult life and had issues spending the money in my small savings account on things it wasnt intended for. So, I moved my emergency funds into a cd ladder and its been there ever since. This option worked for me because I can access the money 247 with a phone call to my bank, which makes it accessible if I needed it, but I cant spend it on a whim.Its a 5 year ladder and the cds mature around New Years. Since my salary and my bills have increased each year, I try to put a an extra K or two into the account each year when a cd matures and renews. Currently I could live on it for 4-5 months if I lost my job. I do have a IRA and 401k, and am making good progress on my retirement accountsI have come a long way with my finances since I started my emergency fund and am rethinking if a cd ladder is the right place to keep my money. Should I move my emergency fund elsewhere, or is this still a solid plan?Thank you for any thoughts, wisdom, or experience you all have to share.  <response>: As long as you can get access to it then its fine. I wouldnt go with stocks it anything like that if thats what your thinking as the stocks could drop right as you need the money now you have a lot less. So whatever is safe and you have access to is just fine. 