<prompt> Human: I have 7000 in a standard checking account in PNC bank. I want to do something smart with it, but I absolutely know nothing about finance. Any ideas? Assistant: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well.Human: Sell what first?Assistant: Sorry, ignore that part I edited it out. I was copypasting from a previous comment.Human: No worries. I already have a 401k and IRA. And no debt or loans. So Im kind of at a loss of what I should doAssistant: Emergency fund? Long term savings towards a housecar?Human: my issue is that I keep dipping into it. Is there a way to put it into an account I cant take it out of?  <response>: Just stop taking money from it. 