<prompt> Human: Im 22, salary around 60k a year. I still live with my parents so my monthly expenses are only 150. I have 25k in emergency fund, maxed out IRA, and contribute about 3900 per year to my 403b my employer doesnt match. I have about 1k in stocks as fun money, as Im currently researching and learning how to invest in the stock market. Am I putting too much into my emergency fund? Basically all of my income goes into it and Im not sure if theres something more lucrative I could be doing with that money rather than sitting there at 1.3 interest.  <response>: yes, youre losing out on the investment returns on the cash. 