<prompt> Human: I currently have 10k allocated to an emergency fund. 2k is in my savings account earning .01 and 8k is in a high yield savings account earning 1. I feel like I might be losing money to inflation and my spending power is reducing. Any advice or is the opportunity cost worth the peace of mind?  <response>: Dont overthink it. Your EF isnt an investment, its insurance. Just park it in the best yielding savings account you can find and move on. 