I'm ceramic and cast iron

A few weeks ago Mighty Bargain Hunter asked "How strong is your piggy bank?" Essentially how easy is it to get access to your money quickly. He gives 6 options on how to rate your savings ranging from Papier-mache to Titanium-reinforced Kevlar.

Currently I fall into:

• Ceramic piggy bank: An “unlinked” savings account, or an online account without check-writing.
• Cast iron piggy-bank: Tax-advantaged accounts like IRAs, 401(k)s, or college plans.
  

I’m working on:

• Aluminum piggy bank: A certificate of deposit.

Ideally it seems like a mix of the last five would be the best. Money in different types of accounts, some accessible when you need it and some behind Kevlar until the golden days.