i have a lot in savings in case i get some crazy medical bill or something but it's been sitting there snowballing for as long as i can remember and i hardly make anything on it. i was thinking of some conservative investment where i could bail it out if i REALLY needed to because at this point it's getting eaten by inflation. i don't like online savings accounts from banks that don't have a physical location, same with brokers. idk why, but it makes me feel better to have a physical person i can talk to and not sit on the phone for hours on hold if i ever really needed to for whatever reason.