> Make sure you invest the surplus cash in an index fund. That depends on what you eventually want to use the money for. Don't put your 6 month emergency fund

> Make sure you invest the surplus cash in an index fund. That depends on what you eventually want to use the money for. Don't put your 6 month emergency fund in stocks or index funds! If you get laid off along with everyone else, stocks will be down, and that means the money you set aside for an emergency is gone!