do a monte carlo simulation of what might happen on probability, maybe with 0 correlation, then work out the time horizon needed..
if you have savings for every item in your list, then your savings will not be optimized because most of them will have 'unexpectancy' factor and you have to leave them in cash/current account to ensure you can draw them out anytime, even if the probability is extremely low.
once you worked that out, you can start doing investment.. those with mean usage timeframe of less than 1y, current account,
1y~2y, fixed deposit
2y~5y, bond funds
5y or more.. index funds.. etc..
savings for your rainy days should also be invested, and not left as cash lying around, unless that is your investment philosophy