With inflation so high, are people moving money out of emergency savings and investing in any short term CDs, bonds? Or maybe even ETFs? Have ~5 months in emergency savings, wondering if I should make that closer to 3 mo and move the money elsewhere

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I would leave whatever you designate as an emergency fund in a HYSA or maybe ibonds. Inflation being high doesn't negate your need for a safety net.

If you feel like you only need 3 months expenses, then I'd invest the other 2 months worth. But the inflation rate shouldn't be impacting your decision there.

If you want to be riskier you can put some in USDC on voyager for 9% interest (happy to give a referral for $40 of BTC; special cyber Monday deal). But it is not insured and I wouldn't put any emergency savings there.

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Thanks for your thoughts, and good points. I’ve got my emergency fund split across savings accounts, thinking I’ll just consolidate in my HYSA

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