<prompt> Human: EF being Emergency Fund. Would prefer an investing answer, but open to anything.  <response>: Put it in a taxable account. If you have an excellent idea for starting your own business, that could be another option: put it in a savings account or in a mix of investments until youre ready to launch that business.Other options: towards a downpayment towards the mortgage further education tax-friendly health savings tax-friendly education account for family members nieces, nephews, your future children etc holidays hobbies etc 