<prompt> Human: I 23M and my fiancé 23F we discussing where to put an emergency fund once we get married. I am more liberal and am interested in putting 2 months in a savings account. Then the remaining 4 months in a vanguard fund like VDIGX. She on the other hand wants all 6 months in savings. My argument is that after a couple years the growth on the fund would increase the odds that a crash can occur and the funds would still be greater than initial investment. I have a stable job and she is still in college. I would also be receiving around 65 for several months no sure how many if I would get laid off by my company. EDIT: Does checking funds really count towards the 6 months rule of thumb?  <response>: Dont invest emergency funds, theyre for emergencies, not for growth. Market downturns and layoffs often go hand in hand, and you dont want to be the guy forced to sell low. 