<prompt> Human: This may sound like a dumb question, but I am genuinely curious. I have a good amount of money tucked away in a savings account, and I was wondering when I was looking at the amount, what is the point of a savings account? Like what is the point of that money sitting there when theres emergency funds, investment accounts, and all the other good stuff I can put my money towards. Basically my question is, what REALLY is the POINT of a savings account?  <response>: Emergency funds should be in savings accounts. Otherwise, savings accounts are used for short term goals that should not be exposed to market risk. 