<prompt> Human: 25 years old.I currently have my savings account automatically take out 500 every 2 weeks from my checking account. Then every 3 months I transfer the entire balance, as well as any amount over 1000 from my checking account to my investment account to purchase various mutual funds and dividend-paying stocks.I max out my RothIRA immediately at the beginning of every tax year; this extra money goes to a traditional investment account. While were on the subject, is there a more advantageous method of growing money 5500year?I figure if I ever have any big emergencies, I can liquidate some of my investments, which will take about a week from sale to wire to bank clearance, and if its needed immediately, I can put it on credit card.Everyone in this sub are always going on about I have 6 months living expenses banked! and whatnot. But why would I keep several thousand dollars sitting there earning a measly 0.8 APY when I can invest it? Is my thinking flawed?  <response>: Honestly, I dont see a huge problem with it. Major expenses you can anticipate by at least a couple days, giving you time to liquidate investments. The odds of your entire investment portfolio dropping to zero is pretty minimal and if it happens, were all screwed for other reasons.Also smart that you keep at least 1000 or so in the bank in cash, just in case any sudden expense comes up where they do not take credit cards and as a buffer.Not having a cash emergency fund is more of an issue with people just starting out saving, as they might not have a high credit limit, and not enough assets to make putting all their money in investments prudent losing half of 5K puts you in a much shakier position for emergencies than losing half of 100K. 