 over the years i had a major expense and that made me look back at my finances to see what i was doing and then i was just do you have an emergency fund separate from this money yeah she said she had 25k okay you're dipping you've been dipping into this over time i would dip into uh over time yeah yeah okay so let's just pretend from an investment viewpoint that you had 300 000 sitting there for seven years it made nothing okay