<prompt> Human: Hey, I have about 6,000 in a regular savings account with 1 APY. This is enough for me to live 3-4 months, and Im still adding to it. So Im comfortable with my OH SHIT! nest egg. I am just wondering if there is something I could do with it that would allow me to see more of a return. Im not looking to tie it up for long periods of time. I checked into CDs but the maturity date vs. the reward doesnt seem worth it. Correct me if Im wrong. I mean, maybe if Im not spending it anyway, itd be okay to tie some of that up for a couple of years.Any advice? Im sure this question has been asked before, just wasnt finding it.  <response>: I think youre missing the point of having an emergency fund. Your goal is to have instant liquidity in an emergency. Typically the best place to keep that is in a low-risk, low-return vehicle like an online savings account. Your goal should really just be to match inflation, not beat it. If you tied that fund up in mutual funds, lets say, and then the market crashed, a large percentage of your emergency fund would evaporate. Not good if thats when your emergency decides to rear its head. 