<prompt> Human: My family which consists of 2 young children me and my wife has come into 10k. Im worried that im not going to do the best thing with it to ease my families finances. We dont have problems paying bills on time but we couldnt really miss a couple of checks, so we are pretty well off. I dont think we want to do a long term investment but I just feel like you guys might provide the best advice.  <response>: You say that you couldnt miss a couple of checks. It sounds like you need an emergency fund, and this 10k came along at just the right time. Keep the 10k in a savings account for a rainy day. It always rains. That money is now your umbrella.Hands down, my emergency fund has saved me more stress and heartache than any other financial decision Ive ever made. 