<prompt> Human: Im 31, work in tech, married, wife works but shes an academic, so income is spotty at best. I have 250k in investments including retirement. Maxed out my 401k. I make 100kyr 5-10k from a side businessI have 55000 in emergency savings which is basically just my savings accounts. This is about two years of spending for us.I have an irrational fear of getting laid off and not being able to find a job, hence the two year figure. Im beginning to think this is an unreasonable amount to have in an emergency fund. If I do break this up, how should I invest it? I feel like I already have a healthy retirementinvestment account and dont want to be too illiquid  <response>: See hereNo, you can put the money somewhere safe such as in a high balance CD or something, at best you can use it as a down payment on a house one day, or as a serious boost to your retirement. 