There's plenty of places to put money that's not in a savings account. Personally, I only keep a couple of months living money in savings and have everything el

There's plenty of places to put money that's not in a savings account. Personally, I only keep a couple of months living money in savings and have everything else in one of Vanguard's funds. Pretty darn diverse with far better returns than any savings account and whatever proportion of risk that suits you. Hell, you can even get exposure to the housing market through property securities if you want some of the bubble for yourself.