<prompt> Human: INCOME 3226.69 Net 100-200 side jobsMortgage 1378.72Utilities 300Gas 150Gym 42Barber 45NetflixSpotify 21Car Expenses Insurance, registration, maintenance 250Homeowners Insurance 20Healthcare 50Subscriptions 165Vacation 75GiftsChristmas 75Guitar Gear 25Home repairs 100Savings 200 I have 4500 in my EF right nowProperty Tax 110 - Projecting a shortfall this year, this will cover the difference.Theres the budget, now with an extra 500, I have a few options Im toying with.1. Put it in savings, build up to 3-6 months incomeexpenses then move to other goals.2. Save for new car downpayment - 8 year old Rav4 which runs like a dream, so this would just be a side savings for whenever the rav4 dies - probably not for a new 4-5 years.3. Pay extra on the mortgage. I currently pay 117.72 extra.4.Open up an IRA, contribute 1-300 a month. I have a pension through work and a 401k and 457b, I only put 25 into the 457 as a last ditch liquid savings if I ever needed it and about 450 into my 401k. Current balance of all retirement is 26,000, Im 27.5. Save for other goals - vacation to New Zealand, Europe, etc.I think the best option is to get my savings up to 3-6 months, preferably 6 and then open an IRA. Pretty sure thats what the general consensus is going to be! I am no longer on the paycheck to pay check cycle, I just got paid today and August is already funded and I have 1200 budgeted into September.  <response>: Other than cash savings not including your EF everything seems to be in good shape. Dont forget to live a bit, Id highly recommend going on that vacation to NZ or Europe because you never know what can happen in life. Perhaps spread it out a bit? 100 into an IRA166 towards a big vacation232 towards savings? 