<prompt> Human: Heres mine:I see a lot of posts against investing emergency funds. And I agree --- Popular opinionFor a portion of it --- Unpopular opinionFirst off, this only applies to those people who have emergency funds over 10k I would say a larger sum of moneyI like examples so here we go: I plan to have an emergency fund for 6 months, roughly 12k. Once I hit that mark I plan to invest at least 8k.Here is why:The biggest oppositions I see are 1 fund availability 2 loss of funds to the market.1 Investing in a low expense market index etf in your own personal portfolio not a tax sheltered IRA, etc basically is as good as having it in the bank if you have electronic transactions set up. After the first 30 days you can withdraw it no problem. Besides, if the funds are supposed to last you 6 months, its okay if it takes it a few weeks to get it into your pocket which it wont anyway2 Loss of funds. Okay, usually markets uptick for extended periods of time and then correct or crash over a shorter period 12 months. Honestly unless you invested Today and it crashed within a few months, you will be fine. You can set limits on your holdings so that allow you to cash out if the market does turn down but will allow you to still retain some earnings. You can raise that limit as your your unrealized gains increase.All in all I think investing is fine if you are investing in no transaction fee, index ETFs in an electronically connected portfolio with enough cash that makes the income worthwhile while leaving at least your medical deductible in cash in your bank account.  <response>: To each their own. I think its appropriate to take risks with your investments, not with your insurance. Emergency funds are insurance. 