<prompt> Human: Its taken me along time but my emergency fund is finally at 6 months of expenses. Which I could stretch to 8-9 if we got really frugal. Trying to figure out what to do now with the almost 500mo that was going in that account. Wife and I are already putting 5 in the our 401ks up to the match, 5 into our Roths, 5 into a new professionally managed brokerage account which used to go into our emergency account and 2.5 into our 2 kids college funds split 1.251.25. Based on what Ive read here and other places, we should be fully funding the Roth IRAs next right? Up to the 5500 max. If I took the 5 thats going into the brokerage and funneled that into the roths, that would get us close. But then wed barely have anything left to put in the brokerage. Looking for guidance on how to balance all this. Also its a little unnerving not putting money in our emergency account anymore...after doing that month after month for the 15 years Ive been working...but I know the Roth can work as an emergency fund too. Any advice is appreciated. Assistant: Consider using it for paying down long term debt and or establishing a fund for large purchases.Human: no debt outside of one car payment and a mortgage. no large purchases planned.  <response>: I love how everyone always says I have no debt except... and the proceeds to list common major sources of debt. Its great that you have no credit card or student loans, but auto loans and mortgages can also make sense to pay off early depending on the interest rates and your financial goals. 