<prompt> Human: I have a little more than 20k that is sitting in a savings account that i do not need immediately but want it to be accessible with in a week or so. I already max out my 401k and an IRA upto the allowed amount. So my question is, what is the best way to invest that money so it makes me some money untill i need it?  <response>: Determine what size of your emergency fund needs to be immediately available and then put the rest in to a CD ladder. I think with credit cards you generally dont need more than a month or two of expenses immediately available. Then when you do need the extra money you can break the ladder or pay the penalty to get all of your money out. 