<prompt> Human: I know this has been asked before, but am hoping that my situation is unique enough to warrant the post. Also, I hope to get specific exaples. Me: 30; No kids ever; 62KYr bonus 2-5K; no debt; no degree, but skills in demand; low expenses 430 rent, no car payment; on track to retire with some slight wiggle room. My money: Emergency fund - 6K; HSA - 1.6K; 401K - 35K; no house ATM; 2009 Civic that should last another 5-8 yrs; Good credit 780ish; Visa, Discover, Amex paid off each month 40K limit or so. I cant find a good reason not to invest my emergency fund above 1,000, which Id keep in a savings account. I plan to invest the rest 4060 StockBond. Im currently stashing 400 a month towards it and plan to until 12,000 or so. 9,000 was my original goal, but the extra bit would act as a market buffer. This on top of my 401K and HSA. I simply cant think of an emergency that would require more than 1,000 cash 2,600 if medical, that cant wait 4-6 days for payment, andor doesnt accept any of my credit cards. Ive not been good with money most of my life, having just paid off the last of my debt this year - 10,000 CC at one point. I fully own my ignorance on the subject. Please help me understand what Im not seeing. EDIT: FormattingEDIT2: Typo  <response>: Well, in 2008, youd lose your job and your emergency fund would be cut in half right when you needed it most. 