<prompt> Human: Forgive this noob question. Everyone should have an emergency fund, yes. And budgeting a bit more than you need is important to give you flexibility. But anything above and beyond that should always be invested, otherwise its losing value sitting in a savings account right? If you dont see anything in the near future you will be spending big on what is the benefit of holding any more that a few thousand in savings? Ive just become interested in investing and it seems like there are just thousands of options that more people should be taking advantage of.  <response>: If your emergency fund is set, yeah invest extra. One thing we do is keep an opportunity fund also and add a bit each month. If something comes along - investment or not - that we want, weve got cash to spend on it. For now thatll grow maybe to buy a rental property in the future. 