<prompt> Human: Basically, Im looking for an alternative to a savings account. I dont want to put my money in there and have it lose value over time due to inflation. My Roth IRA is too high risk, as the market could dip any time and if I have to pull the money from there, obviously Im massively screwing myself over. So Im looking for somewhere to periodically put money that I can draw from, if needed, without being heavily penalized or having to pay an arm and a leg in taxes, that will also earn me at least some return so that I can keep up with inflation and then some.The one idea I have is government or perhaps corporate bonds, although from what I see, you need to pay federal income tax on the interest earned, if I understand it correctly, and you also have to wait at least 1 year before you can cash in the bond, so Im not sure how that would work if Im periodically investing in bonds like Id like to.I currently have no savings account e-Fund. Ive recently started investing 15 of all paychecks into my Roth IRA. Im considering changing things up and investing 10 into the Roth IRA and 5 into some sort of savings account alternative. Also, Im pretty sure my bank charges me for each time I transfer money from the checking account where paychecks are auto-deposited into savings, which complicates things even if I wanted to put money in there. Any suggestions?Thanks.  <response>: Youre wanting a good return with no downside whatsoever? That just doesnt happen. If you want to keep your principal intact, just use a high interest savings account and youll at least be matching typical inflation. 