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When it comes to creating a better financial future, we know it’s important to have an emergency fund which is easily accessible (see “Building an Emergency Fund”). For this reason, people will often save money in a bank account which ensures your money doesn’t decrease in value and you can usually access it if you need it. However, with interest rates being low it does mean that there is a risk your money doesn’t grow quickly enough in a bank account to keep pace with the increased cost of living.