<prompt> Human: I graduated last May and now have a well-paying job. Im maxing my 401k and Roth IRA this year, but it occured to me that I could use some of the money in my e-fund to max last years Roth IRA. My family is fairly well off and could probably help me in a true emergency. I normally take home 3k, spend 2k and save 1k.This would drop my e-fund to 6k, or three months. I could replenish it in around six months.Too risky?  <response>: Theres no reason not to. If you need to, then youll be able to pull it right back out with no penalty. 