At least in my country, inflation is higher than what I get in interest. I lose money every month. I prefer to, over the long term, earn more than inflation. Th

At least in my country, inflation is higher than what I get in interest. I lose money every month. I prefer to, over the long term, earn more than inflation. The only way to do that it to add risk. Over the long term, the risk reduces and I’m net positive. Index funds reduce the need to know about stocks. I buy the economy, not a stock. (Well mostly. That’s the idea.) There are times I hold more cash but then I feel the drain on my return every month. In any case, $3k cash seems like a small amount for the safety it brings. Emergency funds are crucial.