<prompt> Human: Everything Ive read here and elsewhere stresses the need for emergency funds to be liquid - in the worst case scenario you need to be able to pull your money out instantaneously. However, I feel confident in the event of an emergency that required withdrawals that couldnt wait 2-3 days, that I could pretty easily get a bridge loan from familyfriendsmy employer. In my situation, would you recommend putting my emergency fund in a higher-yield, still pretty liquid vehicle, and if so, which ones?  <response>: No. The highest yield youre going to get now is probably 1 from an online bank. If you put it into stocks it may loose value, and if you needed 10k, it would suck to find out the market is down and you no longer have 10k. 