<prompt> Human: Hi everyone,How are we doing for our age financially? Where shall I invest the money we save almost every month 5,000ish right now?My husband 37 makes the most of our income, and I 36 have been responsible of our financials in last 5 years. We have been married for 6.5 years. We are childfree by choice. When we got married, we didnt have much savings since he just graduated, and I was a student who just moved to the US recently back then. Here are our savings and investments;- 120K in the savings account with 0.75 interest as our emergency funds- 85K investment in stocks- 75K in Roth IRA- 155K in Roth 401K- 130K in my husbands employer vested stocks- No credit card debt- 19K my student loan debt, which I pay monthlyMy husband and I make after taxes net 9,200. I am a new grad, and I have been contributing to our income in last 1 year or so.We dont own a house. We are just renting a small 1bd apartment. We are still driving our 2006 model car. However, we do like travelling every year to a different country for our 2 weeks vacations.  <response>: A few comments: Unless your student loans rate is extremely low, you should probably concentrate on paying that off. 120k emergency funds seems a bit much to me.. move more of that into an investment account. I wouldnt have more than 1 year of expenses in an emergency fund. Everything else looks great. Make sure you are maxing both your roth IRA and roth 401k every year. 