<prompt> Human: So my emergency fund is within 600 of my goal. At 10k I will have about 10 months living expenses for where I currently live.Currently this money is in a simple savings account with a debit card in case of emergency--where should I keep this money to actually work for me until there is an emergency, yet still remain accessible in the event of an emergency?  <response>: I would consider transferring part of it to for example Ally, an online savings account with 1 interest rate. Keep 1000-2000 in the account where you have immediate access, the rest in Ally where it will take a few days to get access. Most 2000 emergencies will understand that you need a few days to come up with the money to pay that bill. If you are very unhappy about locking up this money and not having immediate access, then just keep it in the current account. 