<prompt> Human: I currently keep my money in my high interest checking account. A fair amount, probably 10 months worth of expenses. Am I a fool for doing this? Is my checking more vulnerable to theft than I think it is?  <response>: The danger is opportunity cost. Its like a doctor working a t shirt stand. Yeah he might make some sales but hes better off elsewhere. Same with your money. You need to beat inflation which means you need to be in the stock market.Too much not getting a good return is bad. Too much invested where you cant fix your sudden burst pipe is bad always. 