<prompt> Human: I have 25k in my checking account. Should I be doing something with it?I already contribute 12 to my 401k.I toss a few thousand per year in a Roth IRA. Only debt is my current mortgage, but I already cut it down to a 15yr loan. I dont want to invest all of the 25k in case I need to tap into it for a house down payment or a fancy vacation.  <response>: At least stick it in a high interest savings account. Ally has savings with a 1.2 apy. 