<prompt> Human: I am, not looking to invest as this is rainy day money, I just want to save it.I have been looking at savings accounts and it seems the best rate I can see is 1.Is there a better rate to be had with a different way thats almost as safe as a Savings account. I am happy to increase the risk a little bit.  <response>: Savings account for your efund.Some folks like CD or ibond ladders as well. Past that, thats it. You dont gamble with your insurance, and mixing insurance and investing is poor practice. 