<prompt> Human: I was evaluating my retirement portfolio which consists of the mix of domestic stock, international stock, and bond indexes. I was looking at rebalancing To my desired 9010 stockbond ratio. I also have a six month emergency fund sitting in an ally account which is a decent amount of cash. My question is should I consider the emergency fund cash into my portfolio balance of stock exposure. I understand there isnt a definite answer here, just interested in your opinion.  <response>: No. Your current cash stash is part of your net worth, but occupies an entirely different bucket from retirement fund assets. 