<prompt> Human: First time posting here. Ive read the rules, and Im hoping this doesnt break any of them.I feel fairly anxious if I do not have very quick access to a very large stockpile of cash. More on that in a second.Right now Im sitting on about 30k of cash in a regular old checkingsavings account, and another 12k in a betterment. Ive no investment acumen. Its the 30k that Ive been staring at lately, wondering what the fuck Im doing. That money could - should - be making me more than a piddly half percent at my credit union. Ive got 12k sitting around in a betterment as well, which I contribute to every month, but Im not counting on that for anything.But...I have generalized anxiety disorder and am in therapy and money is a pretty big trigger for me. Ive accumulated this cash reserve in about two and a half years my cash reserves were depleted by shitty spending habits and a home purchase. It makes me feel safe. I fear losing my job and not being able to find another one - my field is very in-demand, so if that situation arises, it means were in the middle of another recession, and a bad one, and the stock market has probably gone to shit. Which means that if most of my money is sunk into stocks, most of my money may be gone. My bare-minimum monthly expenses are around 2k. Im supporting my fiance through school and own a home. I could probably put 300 of that on credit if I needed to, and in a pinch I could reduce that a further 300 by getting rid of my car. But, in general, Id say a 6 month emergency fund is around 12k. I have no major debts aside from my mortgage and car.So what Im asking for is this: I know 30k sitting in a checking account must be physically painful to financially savvy folks. As a fairly risk-averse person, I feel like I would need to have access to at least the value I put into it within 6 months to feel okay. What are some good options for making my money work for me given these constraints? Im aware this will give me suboptimal returns. My 401k is already well on track, so Im looking for something a little more liquid than that.  <response>: My man if you need to keep 30k in savings to feel safe, do it. Just dont contribute any more to it- instead opt for investing your future income. You have a huge safety net with 30k, so take some comfort in it rather than stressing about it.Its maybe an unpopular opinion, but really, if 30k gives you comfort, leave it there. Heck, you could throw it in a higher yield savings or a no-penalty CD. 