<prompt> Human: Im married with one kid 2 years old. Our family income is about 75K. Currently, I am paying more than is needed on our mortgage in order to pay down the interest. We will look at refinancing as well. We have one car loan and I pay a little more than 50 extra on that as well to pay it off 10 months faster. I have automatic drafts set up to go in to a general savings account for big purchases, a car savings, my daughters college fund, a vacation fund, and my emergency fund.While I know I am doing a fair job at saving money, I would love to have at least 3 months salary in our emergency fund. What advice do you have for continuing to increase that. What are some of your best practices?  <response>: Its pretty simple, make your E-fund a higher priority. If you have a dependent, but no emergency savings, youre actually at a pretty high risk. I always suggest to any parents to have 6-9 months saved up, because if you cant work for a long period of time, the childs costs will never decrease.With that in mind, an E-fund should be your top priority. Stop paying extra on any low interest debt anything under 5. Stop contributing to the college fund, big purchases, and vacations. This sounds like a drastic step, but E-funds have saved families countless times. I encourage you to read any of the testimonies you can find on this subreddit. You speak with how you spend your money. By contributing to vacation and big spending savings before an E-fund, your saying its more important to take these luxuries over a safety net for your child 