<prompt> Human: I have a mutual funds account with about 4000 and a savings account that currently has about 45,000. Im in my early 20s and live at home, and about 40,000 of that has been sitting in my bank for years now since I was about 18. It was money my parents raised up for me over the years. Ive realized the money in my savings has barely moved in years, and the mutual funds Ive gotten for 4,000 only 3 months ago has already raised me more money than the 40,000 sitting my savings account in over 3 years. Wouldnt it just be wise to put most of it, maybe 25,000 all into my mutual funds. I have the total market one through Vanguard, I forgot what its called but its the super popular large cap one. At the end of the day, even if I need to liquidate it, I can just sell off the mutual funds and turn it into cash with a click of a button. Am I right to believe that and should I just transfer it and basically use my mutual funds account as my new savings account?  <response>: read through the flow chart in the how to handle link that the auto mod posted. basically, you need to determine what your goals are with this money, as that will determine where it should be. 