Re: I need wise counsel for my situation
I personally think having an emergency fund of 10K is reasonable. BUT I do believe it is important to not fund your EF exclusively. All your other accounts need to be funded concurrently.
If you haven't already, I would suggest that you check out Mary Hunt's "Debt Proof Living" book(s). It appears that you don't have much in the way of debt, which is awesome. Her plan might help you get some ideas on how you want to use the money you have to help you in the future.
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