<prompt> Human: Hey PF, this is my first Reddit thread so I apologize if I messed up in anyway.I am wondering when my wife and I should stop adding to our joint savings account? We currently have 15,000 in the savings and our checking stays healthy with our bi- weekly incomes. at what point should we turn our savings practices into more investmentdebt payment? I just want to make sure we are in a healthy spot to start allocating money elsewhere.I look forward to the responses and Ill try and respond to comments even though Im still a Reddit newb and the formatting is all fucking silly.Thanks  <response>: Hello! Congrats on your first post! The sidebar or the about this community link gives you a little more information on this topic. The first link is READ THIS FIRST: How to handle From there youre should find the graphical versions of the general advice. Theres a simple chart and a more detailed chart Hopefully these should help you figure out where to go from here, but please keep asking questions if youre still confused! 