<prompt> Human: Been thinking about posting here for a while now. As the title says Im basically just looking for you guys to either tell me Im on the right track or laugh at me and explain how bad my decisions are, whichever is appropriate. Also looking for information on how to set up a good emergency fund.Im a recent college graduate working as an engineer at a mid-to-large manufacturing company. I get a paycheck every other week as I assume most people do. Heres what I do with that biweekly check:665 goes to my 401k on a pre-tax basis. This goes into stocks and aggressive funds.432 goes to an investment account on a post-tax basis. This goes into low-risk mutual funds since I am saving for a house and for whenever my car dies in a few years. I dont finance cars.120 goes to precious metals. Sorry if you find that ridiculous. This is my hedge against the zombie apocalypse.654 is what I have left over to spend, which of course gets divided among rent, utilities, food, entertainment, incidental expenses, etc. In percentages this comes out to 35.5 to the 401k, 23.1 to the mutual funds, 6.4 to precious metals, and 35 for my living expenses and personal expenses.The numbers sound good, but you have to consider that a lot of my savings are really just savings for expenses. Since I dont finance cars, I know I can expect to sell some post-tax investments in a few years to buy a new car. And Im not making any payments toward home equity, just renting an apartment. Etc.Right now I am not receiving any employer contributions to my 401k, but in ten months my employer will start matching 3 of my base salary on a pre-tax basis and 5 of my base salary on a post-tax basis. When that happens my plan is to reduce my share of contributions to keep the total contributions the same, and use the extra take-home pay to bolster my after-tax investment account.Back to the emergency fund issue: I keep several thousand in my checking account at all times, but I dont have anything specifically designated as an emergency fund. Any thoughts would be appreciated.Okay, have at it.  <response>: Great job, I think your s are aggressive and you are building great habits. Dont let lifestyle creep stop you from spending.However I will make a case for an overall reminder to live a little in your 20s. Date. Travel. Enjoy. Your youth is something you wont be able to get back.While I was aggressive as well in my mid twenties 35-50 gross savings, Im 32 and feel that I should have done more of those things I mentioned in my 20s.But take some time to evaluate your own goals and aspirations. Good job on the savings OP. 