<prompt> Human: I would like to put my 10k emergency fund to work with robo-advisor Wealthfront using a very conservative portfolio model instead of earning only 1 with Ally bank. Cash holdings: 10k--Ally Emergency22k--Ally Savings for house down payment6500.00--Ally for a 3k engagement ring and emergency401k: 10 contributionRoth IRA: Maxed for 2016 2017 after rollover. Girlfriend and I are moving in together in December and Im proposing soon so minus 3000.00 for a ring. I have NO DEBT, and based on budget for the move in ill net about 800.00 positive cashflow per month. This doesnt include her salary and savings at all. Neither of us have any debt. Would you invest the 10k fund since the 20k house fund is there and waiting?I plan to buy a house within the next 2 years or so, and my credit score is 800.  <response>: Dont invest your emergency fund. It can be hard to pull money out of an investment quickly, and emergencies can easily go hand in hand with economic downturns that see your investment in the dumps at the time that you need to pull it out.If youre eyeing a home purchase in only 2 years, dont invest that money either. What happens if the market is down when youre ready to buy? 