I am 25 years old. I have $52,000 in a money market account (1.1% interest rate), and $17,000 in a Roth IRA (1.5% interest rate). I am thinking about setting $10,000 of the 52K aside for an emergency fund. Also, I feel like I am loosing money in the long term with the $17,000 in the 1.5% Roth...