Thank you for not slamming the idea of a six-month emergency fund. Yes, there are better ways to save money in a way that stays ahead of inflation, Roth contributions being one of those, but there is something to be said for liquid cash in case the substance hits the fan. I just got slammed with a medical estimate that will set me back several thousand dollars, and it's good to know I have the liquid means of confronting this expense without facing penalties for withdrawing from my investments.