<prompt> Human: I have about 10k worth of emergency fund sitting in a savings account earning almost nothing. I suspect there is a better way. What should I do with that money?  <response>: I throw mine in my Ira under a vanguard index fund.My fixed monthly expenses are 350 so an actual emergency of losing work for a year would easily be covered by funemployment beyond hat I budget for car repairs and other common emergencies so I feel fairly safe with this riskier gamble. Ymmv 