<prompt> Human: Any thoughts on where I could put my money with a DECENT ROI? I currently have around 10K in an emergency savings account earning about .80...So Im actually losing money based on REAL inflation. I need to put it someplace I can get to it quickly God forbid I needed it. Also it must be low cost have the ability to add to it. Thanks!  <response>: You could go back to the 80s. Or go into loan sharking. Otherwise, you arent going to find 4 interest anywhere with your criteria. 