<prompt> Human: Hello,I recently started working and Im on track to have 10,000 saved for an emergency fund by the end of this month. 10,000 is enough for 6 months of my living expenses. Im wondering, however, if there is an alternative option to having this money sit in a bank account earning only 1 interest. I currently only have 1 debit card with my checking account and 1 credit card with a really small 1,000 dollar limit that Ive been paying off in full every month i used this during college.Ive been thinking about doing the following instead of putting the 10k in a savings account: Open a 1-2 year CD and put 10k in there, and then open a credit card with 0 apy for 12-24 months. This gives me 2 benefits over the traditional savings account: 1 I have credit which I can use in an emergency much more quickly if the situation demands I think I would have to wait 3 days for the money to transfer out of the savings account Basically I want the option to take credit card debt 0 secured by a CD.2 I am earning slightly more interest on the principle. The reason I am wondering if this will work is not mainly for the extra interest, but for the extra liquidity, or speed of having the credit on hand in case of an emergency. Is this a terrible idea? Please let me know!  <response>: Is this a terrible idea? yes. investments are for investing. emergency funds are for emergencies. dont get them confused. 