Thanks for the reply.
I'm noticing on here there are a lot of people that put a lot more into their 401K than I am doing (5%)... I'll have to reconsider that.
Is there any advantage to having the savings accounts with different banks?
What I don't understand is what is the 'highest priority savings account'? To me, the EF should be the highest priority, but I'm afraid that I'll be able to save so little that the long term savings and college savings will suffer and I'll lose out in compound interest from having money in there the whole time.
I can see I have a lot to learn
