<prompt> Human: So, I am absolutely HORRIBLE at saving, and have decided to finally fix that. I want to open up an account separate from by BofA accounts that will automatically transfer X amt monthly, of which I will not touch. What firm would you recommend I use, and which type of account? MMA, invest in mutual funds, etc? Thanks for your input!  <response>: Plain ol savings account. You want your emergency fund liquid. When shit hits the fan you may not have a few days to get money out of a tighter account. 