<prompt> Human: Im trying to build up a 3 month emergency fund and discovered my grandfather set up an investment account currently 100 in stocks, changing that soon in my name worth about my emergency fund goal. My question is, could I instead aim for a 1 month emergency fund and rely on the investment account if I need more? Im not worried about losing my job and Im pretty healthy. I would continue to build the emergency fund but it wouldnt be my first priority. Do you think this is a safe plan or should I focus on the 3 month savings?  <response>: Id rather pretend that account is not there and build your 3 month savings separately. I would also NOT change the portfolio from 100 stocks unless it was literally just a small handful of undiversified companies and not some kind of index fund. Especially if it has been growing for a long time now, leave it alone to grow for years in the stock market. 