<prompt> Human: I despise the idea of my money not working for me but i know i should build an emergency fund. But my Credit Union offers 3 month CDs with a minimum balance of 500, Would it be a terrible idea to get to a 4 month fund and then take 1 months worth of it and purchase a 3 month CD. Next month do the same, and 3rd month the same and then hold the 4th as a reserve for the emergency month?or stick with my 0.05 savings rate...  <response>: Its fine if that what you want to do. Just be aware of the early withdrawal penalty and consider it in your decision making if this is emergency funds. 