Good advice. OR keep 6-12 months of cash invested in a ROTH IRA that carries no penalty for withdrawals.....
usually a 10% hit if you arent 59.5. So I would suggest a money market or liquid able CD. End of the day this is money to gain access to now if you need it, chances are you wont gain much interest off of it, so really just keeping it in a bank is probably the best idea.
Really if you keep your bills to around 50% that includes house, food, cars, allocate 10% to retirement, probably 5-10% to savings/ emergency fund. should leave you around 30% of your paycheck to buy whatver you want.