<prompt> Human: Ive been saving up a lot of money the past few years, up to the point that I have about 35k sitting in my savings account and basically accuring no interest. So I opened up a robo investor account and put 10k into it, but I still have 25k left in my savings...still doing nothing. I am employed at a full time job, making about 2.2k a month take home pay, and live with my parents so very little rent and I have no debt, no bills to pay and I usually end up saving about 1k of that a month just putting it in the bank.How much is actually worth keeping in the bank vs putting in an investment account? I already maxed out the 5.5k contribution to my roth IRA this year, so the excess is going into a regular, taxable investment account. Should I keep 5k in the bank? 10k? I assume I can just withdraw from the regular investment account at any time if I have some emergency need for a large amount of cash.  <response>: What you really want to avoid is being forced to sell your investments when theyre down. So keep six months of expenses in your savings account. 