I have a $100,000 emergency fund and one thing that I hear quite often is

I have a $100,000 emergency fund and one thing that I hear quite often is, girl, if you were to invest like half that money, like into the S&P 500, that could make you like double the amount of return rate. I understand that because I myself have over $100,000 invested already into the S&P 500. But I also do have a $100,000 emergency fund. Why is that? Now, I don't think investing is everything, if you don't have an emergency fund as a backup. Let me kind of explain. Yes, investing is a priority, but so is having an emergency fund because say you lose your job, for example, or you go through some sudden change, right? You're going to need to have money set aside that you can have in the moment. When you invest your money, you are also at a risk of losing that money. But most of that time, that money is just going to sit there and grow and compound over time. The goal of investing isn't so that you take out that money within like two, three months later. And if you don't have an emergency fund yet, then I don't think you should prioritize investing. Because the truth is, when something happens like you lose your job or something, you're going to want to have money set aside, just in case of the emergency. For me personally, I have a daughter to take care of, right? So I also have a mortgage. Those are things that I think about when I think about having a $100,000 emergency fund. But that's the number that I feel comfortable with if I were to lose my job or something would happen to me, I know my daughter would be okay. And that is my priority. So yeah, investing is important, but so is having an emergency fund.