<prompt> Human: Hey everybody, I am 24 and lucky enough to be able to make double payments on my car and student loans every month the only debt I have. I have about a 3k emergency fund but this is not anything near the 3 month safety net a lot of people advocate for - between rent, food, utilities, and carloan payments I am looking at a per-month minimum of about 2k - so I would need a 6k lost my job emergency fund. EDIT: this figure assumes I stop doing double payments in the event of employmentfinancial crisisI am aggressively paying down my student loans and car payments by paying double the amount each month and applying the extra to my principle. In doing so, I am not able to save very much each month after insurance, tax, and 401k contributions.Does it make more sense to you guys to eliminate interest-bearing debt first, or would you work on a bigger savings pool first, just in case? I highly doubt my job will be in jeopardy for the next 2.5 years or so it will take to pay off my loans at this rate.I know it isnt the optimal way to distribute my money but would it make more sense to drop down to 1.5x payments instead and stash the additional 0.5x in a savings account?thanks!  <response>: Figure out how long it would take to build up a better emergency fund, and then calculate how much money you would save if you paid extra towards the loan during that time. Itll probably be less than 100. Id say having the complete emergency fund immediately would be worth 100. 