<prompt> Human: Hi all, I have 6 months of expenses saved up. Right now its sitting in a checking account earning very little. Id like to invest it more properly, but still be able to access it if I needed it Roth IRA maybe? I agree with everything in the sidebar wiki about needing to access it, but Id like for it to be earning money when at all possible. nbsp; Also, how are you keeping your emergency expenses saved? Savings account, stock market, gold, under the mattress? nbsp; Thanks!  <response>: Look into LMCU. A bit of management, and you can get 3 on up to 15k. 