<prompt> Human: I accumulated basically no savings for the first 5 years of my adult working life after college, other than a 401k which currently has about 30k.In the last 2 years, I got a promotion with a 25 raise, worked abroad on a company project for several months which yielded a 10 bonus of my gross salary, and have amassed what I consider to be a very respectable 15,000 in emergency funds.I have no credit card debt, no car loan, no mortgage, and 9k in student loans which I am paid ahead on by 16 months.My monthly cash obligations amount to about 1,200.Weekly unemployment benefits in my state are capped at around 320week, which makes me think I need a larger emergency fund than average.My question is, at what point should I stop focusing on amassing as much emergency cash as possible, and turn more towards paying down my 5.75 student loansinvesting more aggressively? I know its sort of a personal basis question, but Im interested to hear opinions.  <response>: I,m not a fan of debt, I would have no qualms about reducing to 6k in order to pay off the loans. If I was you I would be doing that this second.Then I would build the Efund up a little more. I think a a lot of over thought is put into how big an fund should be. Not having one is dumb, too much and you risk losing investment gains. I think that money is mostly a tool for making us happy. Do whatever makes you sleep better at night. We keep a slightly oversized e-fund, I know I should put a portion in investments, but my wife feels secure in having it, surely that is the point of having money ? 