Re: I need wise counsel for my situation
For me, level of emergency funding depends on your needs. Foe example, a family of 5 with a mortgage should have a different # of months than a single person living at home.
Your EF goal of 10k, while noble, seems way too high for me (20x monthly expenses)... I would stop contributing to that immediaitely (in fact I'd shave a little off to 3x expenses). I assume you have no dependents.
As Sweeps said, max out the Roth 1st, then I'd plow the rest into the retirement fund, or start a housing kitty.
g/l
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