<prompt> Human: I really consider it as an emergency fund since I can tap it if anything happens. Its unlikely Ill need that much cash though so Id like to make it work as best as possible. Looking for ideas. Ive heard about I-bonds and such but I want more liquidity than that, if possible.  <response>: Putting it in an FDIC insured account it good, but for a bit more interest, try laddered CDs. 12 months apart at 3 month intervals would be 5k each. Let them continually rotate and if you ever need money, cancel the newest CD and get the money out. Youll only lose the money that you accrued and not the principle. 