<prompt> Human: Hi, this past year I have started a business and it has been successful. My wife quit her job to stay home with our first child and I continue to work my day job along with running our business. I have been using YNAB for two years and it is great, however I feel that I am not efficiently putting my savings in the correct place. I have seen the chart that everybody always posts in this scenario of where to put your money, but I would really like to hear your personal opinions. My main question is what to do with the 55k that I have in my 1 ally savings account. I felt like this is a waste due to 1 not being much. My Roth only has 12k but it has been maxed already and can only contribute 5.5k every year. Is there an alternative place that I can keep some of the money that will allow it to grow without taking on a large amount of taxes?  <response>: from the sidebar: 