Most banks will set you up with separate but linked savings and checking accounts that you can transfer between. Only the checking account comes with a debit ca

Most banks will set you up with separate but linked savings and checking accounts that you can transfer between. Only the checking account comes with a debit cards. Auto-transfer any spare cash to the savings account. Option 2: invest your cash in short-term low-risk securities like CDs or 3-mo bonds so that it's cash-like (available quickly if you need to tap your emergency fund) but not cash (burning a hole in your pocket because it's available to spend immediately). And of course, anything you don't need for an emergency fund should be invested for the long term in non-cash-like securities (ideally via tax-advantaged accounts).