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How to manage $50k in Savings? 
In today's market being paid 1% for risk and free access money is pretty darn good.  If 50k is what you feel comfortable with an emergency fund, then you are doing a fine enough job. To me that is a lot to keep in an emergency fund, however several factors play into this: We both drive older cars, so I also keep enough money around to replace one of them.   Considering all that I keep a specific amount in savings that for me earns .89%.  Some of that is kept in our checking accounts which earns nothing. You have to go through some analysis of your own situation and keep that amount where it is. If that amount is less than 50K, you have some money to play with.  Here are some options: