大家好，對投資保險還在門外漢階段，想請問眾神怎麼做，目前狀況是這樣:
26歲女，正式教師，扣掉一切開銷，總之每一年，會有20萬可以隨時動用的閒錢。
請問這筆錢，是放著就好，隨時有急用或娛樂費，慢慢花，沒用到就一直放銀行，
或是有更好的投資方式呢?
希望大神指點我方向，感激不盡!
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