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Stay indoors instead of eating out all the time. That will add more to your savings. Most household or individual spend more on dining out. If you have the time-- find time--- to cook and eat out less, you will be surprised of your savings.
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So adding up your numbers, I get true expenses of $3670/month (not savings or fun money)
Currently in cash you have: $19,541 = 5.32 months expenses
So you're good on your EF in my opinion. I like what others have suggested, up your 401k or Roth contributions.
I also agree that the 'EF savings' currently includes things like, clothes, car repairs, oil changes/tire replacements, and insurance - so you've probably got around $1500-1750 extra each month available for retirement savings.
Or to just enjoy by having a family night out a couple times a month.
You're doing great, keep it up!
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