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You're listening to Ramsey Everyday Millionaires, where we talk investing, retirement, building

wealth, and outrageous generosity.

Jennifer is with us in Phoenix, Arizona. Hi, Jennifer. How are you? Hi, I'm doing well. Thanks for

taking my call. Sure. What's up? I wanted to see what y'all would do with a pile of money.

I'm in baby steps 3B and 4.

But then I found myself in storm number one, surprise I'm pregnant.

Oh, well, congratulations.

Thank you.

Storm number two, five weeks later, I suffered a major medical event, found out I have an underlying condition

that will put me at risk for more major medical events. And we can't really address the problem

for a year or two until baby gets here and we can do a lot of testing and investigate it.

So I had been saving a bunch of money for a house, but it had been sitting in a high-yield

savings account, but those rates are declining. So would you guys leave it in high-ield savings,

or would you move it into like a brokerage account to maximize the yield? Because I feel like

that goal is now three to five years down the road.

How much money in your emergency fund and how much money in this fund we're talking about?

My emergency fund is $50,000. It's 12 months.

Uh-huh. And this money, this money is how much?

But my house fund is currently at $150,000.

Okay. See, have $200,000. So this See, you have $200,000.

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