<prompt> Human: Hi rpersonalfinance,I just turned 27 years old and make 105,000year. I just relocated to a major US city from a small town. While I was living in a small town for 2 years, I took advantage of the opportunity and lived a fairly inexpensive lifestyle. I drove an 8000 car and lived in an 900month apartment. During that time I was able to max out my Roth 401K and my Roth IRA and grow my savings account. I feel like Ive done well for myself so far and I want to upgrade my lifestyle, have fun, and make myself more presentable. Specifically Id like to purchase a nice car and furnish my new apartment1300month rent.My problem is I dont really have any furniture. Ive basically got a bed and a cheap coffee table. furnishing an apartment can be expensive, especially if I want to buy furniture that will last. Also, I dont really know how much of a car I can afford, Ive been thinking 20-30k. I spoke on the phone with a financial planner who kinda scared me. He said I should have at least 25k cash as an emergency fund and I only have about 26k currently. Id have more but I already maxed my IRA for 2018. Should I be worried? Am I being too greedy with the car and apartment? Id previously considered 15k to be my emergency fund. Is it that big of a deal since most of my money is in Roth accounts and can be withdrawn penalty-free in case of a serious emergency?My financial picture:26k cash100k in Roth IRA and Roth 401k20k in taxable accountI never carry a balance on my credit cards and I own my carestimated 4.5k trade in value  <response>: Take your time on these goals. Its not like you need a new car right this minute.You need to adjust to the higher cost of living and then figure out what you can actually afford, or if a new car is even useful in this new location. 