<prompt> Human: 6 months of living expenses can be as high as 10,000 for a young person in the city with no dependents. Placed in a conservative mutual fund with 6 annual gains, in 40 years this money can be multiplied by 10. This is the opportunity cost.For someone with all of the qualifications above, is it still reasonable to have six months emergency fund sitting in your savings account or money market fund earning 0.1 interest?What are your thoughts?EDIT By fall back on parents, I mean you can move back home.  <response>: OP, I agree with you as Im basically in the same situation as your are. 24DCmaking good money for a financial firm. I think it definitely matters what socioeconomic background you come from and dont think it has anything to do with maturity. Ive talked to my parents about it and theyd rather me have less in e-fund while investing as much as I can for my future. They are less than 100 miles away and would be more than willing to help with whatever I need if an emergency arises. 