<prompt> Human: Just recently found out about this place and started seriously thinking about personal finance. 35 years old with almost no money saved, only just enough for that emergency fund. No personal obligations, but in the near future, very possibly so.Ive got contributions to retirement accounts all set up and covered now. So the next step would be putting money into investments, right?Ive heard of people not putting money into investments and just storing everything in their bank account. Is it that bad of an idea if I follow that example? How big of a difference will this make? I hardly even have any money to invest. As I said I only barely covered that emergency fund. Theres no point putting a measly 100 into index funds now for my long term investment, right? What should I do? This is why I dont want to think about it - because I have not needed to think about it. Should I build up my savings for 2 years so I have a decent amount to start investing?  <response>: You will want 3-6 months of expenses in cash checking or savingsInvest the rest. 