<prompt> Human: I recently received a bonus and tax refund totaling about 9k and Im not sure where to put it.I dont have enough savings. Ive been told that I should have at least 6 months worth. I have about 3,500 and I believe I should have at least 13,500 based on my monthly pay after taxes, 401k, and other deductions.I have a 2.19 APR car loan with a balance of 15,018 and 69 months left. The monthly payment is 230.I have a 3.49 APR home improvement loan with a balance of 10,095 and 11 years left. The monthly payment is 98. Side note: I have since moved and sold the house that this improvement was forWhere should I put my money? What should I be focusing on?Thank you!  <response>: Your emergency fund only needs to be based off your actual expenses, not your income, but either way it sounds like you should add to it. If you have anything left over continue following the steps here: 