No one should consider using their emergency fund for anything other than emergency's, so I am not sure what your point it The comment I was responding too ta

No one should consider using their emergency fund for anything other than emergency's, so I am not sure what your point it The comment I was responding too talked specifically about saving money in a savings account for the purposes of buying expensive things like a car. It should go with out saying one should not use their emergency fund for these purchases (unless they are an emergency) Once you have the 6mos to 1 year of expenses in your emergency fund you should divert any other cash to other accounts such as Debt Repayment (providing the debt is more than 5-7% interest or current inflation) and/or investments such as tax advantaged retirement accounts