<prompt> Human: Hello all, I have an emergency fund in my savings account, which is about 6 months of living expenses. I also have the other typical tax-deferred and non-tax deferred retirement investments. My question is; would my emergency fund money be better left in a relatively safe, non-tax deferred brokerage account like Vanguard Total Stock Market instead of a savings account? Direct deposit seems to make shifting money between accounts fairly easy within only a couple days, it seems. On a side note, if youre not storing your emergency funds in a savings account, where are you putting it?  <response>: I dont consider the stock market relatively safe and would never put emergency funds there. That said, 6 months may be too much for an e-fund but this depends on your risk tolerance and situation so you could put 3 months into a savings account and 3 months into the stock market. 