<prompt> Human: I graduated 2 years ago and started a job making decent money in Engineering, with no student loans. Since then Ive tried to throw a lot of money at my 401K, but havent really done a great job saving outside of that. Im trying to figure out how much I should have available as an emergency fund for about 6 months in case I need it. Previously I had been employed in a very stable position, however I am taking a job at a start up that I know is more risky and could very well go out of business in a year or two. This is a risky move, but Im single, there is nothing tieing me down to where I live now like a family, so Im not worried about having to move for a new job if the current one doesnt work out. And its the most exciting fullfilling environment Ive been in since I started working.My current expenses are:Car - 400 a month with 200 in gasInsurance - 1400 a year usually pay in full at start of yearRent 1000 after utilitiesPhone - 85 a monthI make 75,000 a year and have about 35K in a 401K. All my 401K has been contributed to post-tax so far. I have a life insurance policy that I contributed 200 a month as well. For cash I have about 2000-2500 a month usually. I know my cashemergency money is low right now. So I lowered my 401K contribution from 15 company contributes 8 on top of that to 8, and have opened a savings plan to put the other 7 into for now to build that up.Does anyone have any other suggestions on where else to improve. I do spend a lot of money going out to eat every month which I need to stop. Also I know my car is one of the highest expenses here. I have 2 years left on the lease on it, and have been considering lately whether or not its worth trying to put it on Swapalease or something and try getting out of the lease early. Any help is extremely appreciated.  <response>: Why, as a single 20 something, are you paying 200month in life insurance? you have no family you need to make sure is financially secure in case you die, so really you only need to be concerned with final expenses. your emergency fund is capable of doing this, so you really shouldnt need life insurance right now. 