<prompt> Human: 21M, single, living with my mom. I have the equivalent of 3 months worth of pre tax pay in a savings account, earning . 5 interest. I have other accounts for my car insurance, repairs, annual vacation, all the stuff I know Ill have to pay for, and about 5,000 more specifically for when I first move out, which I havent had any real plan to recently. I have 3500 invested through Acorns. I just feel like I can save the money better, and put less into emergencies.  <response>: My rule of thumb is to make sure you have enough saved away to last you until you can find another job of somewhat equal pay. In a good economy, 34 months is the benchmark. While it seems to be better than a few years ago, it seems to be taking longer than that.Bottom line: How long will it take you to get another job? You need that many months of take home pay in reserve. Not all of it has to be extremely liquid. For example, if you can cash out some asset in 1 month, then you need 1 month of cash... enough time to liquidate the other asset. 