<prompt> Human: We currently have appx 1300 in our emergency savings with monthly expenses around 2500 per month this includes some extras. We have retooled our budget so we can make contribution of 450 per month into our emergency savings. Our goal is to get the e-savings to 35k, which will take a while. This is 1 year of expenses with a little breathing room. Once our emergency savings reaches 10k, my husband wants to put the entirety of it in what he considers a safe diversified portfolio with companies like Apple. Once the stock rises to a satisfactory level, he will sell it, put it in a high-yield savings account and leave it. He says this will allow us to build up our emergency savings much faster. I am concerned that not having liquid assets in an emergency could be a problem, especially if an emergency hits when the stock is on a downturn. He says that we would be much better equipped to handle an emergency if we can get to our goal faster.Who is right? What is the best strategy?  <response>: Once our emergency savings reaches 10k, my husband wants to put the entirety of it in what he considers a safe diversified portfolio with companies like Apple. Once the stock rises to a satisfactory level, he will sell it, put it in a high-yield savings account and leave itSo he wants to take your emergency fund and gamble with it to make it into more money. Why doesnt he just play it all on the Craps table instead?Investing some of your emergency fund isnt a terrible idea, but investing all of it is. I would highly recommend keeping at least 2 months liquid at all times. If you want to put the rest in something less liquid thats fine, but not all of it. Never all of it.The point of an emergency fund is completely lost if you dont have access to he money in an emergency. 