<prompt> Human: Ive recently purchased YNAB and I have to say its pretty good. A bit of a learning curve, but nothing major. One thing its made me realize about my personal budgeting goals is that I prefer a different approach to the Saving Goals that they recommend. Our household income is fairly high just happened recently, so my strategy is too pay off a ridiculously huge amount of debt per month with our extra income. I have an emergency fund, which I plan to slowly build up to 5k, but thats it. If there is a big purchase we need to make, I just wont make such a huge contribution to debt for that month. I feel like investing in any savings is a waste, since the interest on our student loans will pretty much nullify any potential gains made. Anyone have similarbetter strategies? EDIT: Ive just talked it over with my wife, and we decided to forgo the emergency fund altogether. Both our jobs are pretty stable and wed be fine if one of us lost it. The risk of both of us losing our jobs seems too small for us to make it worth it. In other words; the cost of risk avoidance is too high for us for the amount of perceived risk. I cant stand having money sitting around doing nothing instead of being put to use paying down debtprincipal. In our job marketenvironment, this seems like the most rational strategy. Let the criticism begin! :  <response>: Nobody ever thinks theyll have an emergency. Thats why theyre emergencies.Have an emergency fund. 