<prompt> Human: My wife and I recently got married. We received 19k total cash from family and friends as wedding gifts no-box gift wedding as were moving internationally in 2 months temporarily.Background:Total income: estimated 100k Total debt: 3.5k credit card 0 APR promotion for 1 year moreCurrent 401KIRA: 15.5k - 6 input and 6 company match maxSavings: 0Monthly rentbillsexpenses: 2000I want to keep the 19k as our emergency fundsavings, and Im currently paying for my Masters which is using all of our free funds. Its currently sitting in an Ally savings account gaining 1 interest, but is there anything else I can do to better maximize my return?  <response>: Its good to save, but you should use a little to have fun together and live a bit from time to time. In the long run this works out to be cheaper than divorce. Source: personal experience 