TL;DR: You need to save some cash for emergencies. So why not let that earn 2% or more for you instead of having it sit around? No matter how risk-loving you are, anyone in the right mind would agree you need to keep around at least some cash for emergencies. But how do you do that optimally? 2 steps: Determine how much you need to save, and then decide where to put that money. Determining how much to save: While this part is entirely up to you, I think a good rule of thumb is 6-12 months worth of your expenditure. So in case (knock on wood) you or your…