<prompt> Human: I am 24 years old with all college loans paid off. Is there a consensus amount of money people would suggest keeping in a bank account before they invest the rest of there money elsewhere?  <response>: Anything more than 6 months worth of expenses is a poor utilization of that money. In a savings account, youre essentially losing money thanks to inflation. The only reason you need it in a savings account is because its easily accessible should shit really hit the fan. Invest whatever money you have beyond that toward your retirement, life goals, or any other big ticket items you have int he future. Read the sidebars PRIME DIRECTIVE for more details. 