<prompt> Human: Hi everyone,My husband and I are in our late 20s with following financial situations:- earning 12k post tax per month. - We have mortgageHOA property tax obligation around 4500 per month - 2000 personalother spending- 300k investment with 90 stocks 10bonds- holding around 100k cash now :Are we holding too much cash? how much cash should we reserve as our emergency fund? 3-6 months spending?Should we put the rest all into stocks? as the stocks are in historical high although I understand we should not TIME the market.Thank you!!!  <response>: I dont know exactly why, but Im getting the vibe that this is more a thinly veiled brag than a real question. 