<prompt> Human: So Ive managed to stash away 38,000 into savings over the past few years and I hate having it just sitting there when I know that there are better options to have it doing something. What can I do where can still keep most of it liquid in case I decide I want to buy a house in the future, new car, emergencies, etc. Im 30 years old, no debt, only make 15hr. and may be losing my job in a few months. Someone mentioned a money market account with my local bank and Ive also thought about opening a Roth IRA but due to my job uncertainty I decided against it. Any helpinfo would be appreciated  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 