<prompt> Human: Hello all,Wanted to get your input regarding my financial goals for the next 1-3 years medium-term for the sake of this discussion.Some background: Steady job, reasonable pay. Performing well and dont expect any issues in the medium-term only moderate to semi-decent wage growth. 23, soon to be 24. Live alone and cover all expenses by myself rent, cell phone, car insurance, cableinternet, etc.. I have been fortunate and work hard and have been able to pay down my student loans to where they are now 4 in the list provided below; reasonable to begin with due to state school and have established a decent starting balance in my Roth IRA. Going forward, I intend to take a more structured approach.Goals:1. Contribute to 401k to maximize employer match 5 of before-tax pay; employer has a pretty horrific match but that is irrelevant.2. Build a 1000 short-term buffer in my checking account.3. Establish a 5000 emergency fund in my savings account.4. Pay down the remainder of my student loans 13200.5. On a yearly basis, max out Roth IRA contributions 5000year.6. Add an additional 10000 to my emergency fund.7. On a yearly basis, max out 401k contributions increase to 16500year.8. Enjoy life :8 is kind of a joke, as I definitely meet my eating out and indulgence quotas every month although I keep it reasonable. With regards to the previous list, I have accomplished 1, am replenishing 2 needed vehicle maintenance, 70 of the way there, am working on 3 95 of the way there, and intend to start aggresively attacking 4 soon.My one concern is that the emergency fund established in 3 will be closer to 3 months of living expenses. However, as noted above, I am comfortable with my earning power in the medium-term barring unforeseen circumstances.I read this forum a lot and have developed a good basis of knowledge, but still wanted to determine whether you guys have any feedback that will assist as I power through my 20s and hopefully build my future self into a comfortable spot.  <response>: I think your goals sound great. Youre in a great place just by thinking about it at a young age. : I have no criticism, except that maybe you should think about establishing a car fund as well since you know your car will eventually need repairsreplacing. I would also do this if I had a pet for eventual vet bills, or a house for eventual maintenance costs. All of those types of expenses are hard to predict, but you know theyre coming eventually, so you might as well plan for it if you can.As for the emergency fund, I think 3 months expenses is fine if a your job is pretty stable, b you dont have any dependents, and c you have a support system in the event that you lost your job or had some sort of emergency that prevented you from working like moving in with parents or living with a partner. If so, I think 3 months is perfectly fine for an emergency fund and I wouldnt stress about it. : 