Where should I keep my emergency fund?

Your emergency fund should be immediately accessible (liquid) and separate from your checking account so you are not tempted to spend it. A high-yield savings account (HYSA) at an online bank is the best option — it earns meaningful interest while keeping funds accessible within 1–2 business days. Avoid investing your emergency fund in stocks or bonds; market volatility could mean it is worth less exactly when you need it.