<prompt> Human: I have my 3-6 months worth of expenses savings invested in the SP 500, instead of a savings account like I am supposed to have. This is a non-IRA, non-401K brokerage account. I have nothing in savings. The reason I did this was to achieve a higher rate of return. SP 500 is now slightly ahead of what I bought it for. Should I sell it and move to a more secure location savings account? Or just keep it, and work to build savings back up to 3-6 months expenses?  <response>: An index fund is a poor choice for money you might need at a moments notice. It would make sense to move it to savings, yes. 