<prompt> Human: Throwaway account. Here is my situation: 30 years old homeowner, married, and have a 1 yr old child. Combined gross income around 120,000. Both myself and wife workAssets: 85,000 in savings accounts .12 APY 100,000 401k 19,000 in Roth IRA Maxed out for 2013 and 2014 2,000 in brokerage account Debt Loans: 150,000 Mortgage 3.25 Im starting to really focus on finances, etc. Id appreciate some feedback advice on whether I have too much in savings. Should I do something else with this money? Thanks in advance!  <response>: Yeah, 85k is probably too much to have earning what little your savings is paying out. Keep 6 months worth of expenses as your emergency fund, then either invest the rest or pay down the mortgage or some combo of the two. 