<prompt> Human: Have been lucky, but am in a constant state of fear late 30s. Base salary has grown from 140K with 100K commission at plan to 190K with 25 bonus - but now over past 2 years get stock that vests over 5 years Around 60K to 90K a year, mix of RSU and options. I have 80K in cash savings Was thinking about buying a house, but realized that this is impossible in an expensive city, another 50K in stock market, 200K in 401K, and another 200K in optionsRSUs that will vest over 5.I used to save ALL of my commission in cash when I got it at the EOY, now save my bonus and spend has increased Somehow, I started dating someone - maybe thats it.... So, cash savings on a yearly basis has dropped from 60K a year to maybe 30K after taxes - max my 401K with a good match and dont touch the stock.Question is this - decided not to buy a house out of terror, what do I do with that cash Market seems frothy.... Buy a rental? I dont want to put it in the market...How the heck can I stop spending my base bay? Try to transfer it to savings, end up pulling it back out and the end of the month...Embarrassing.What liquid cash do I need for emergency? My job search would likely be a bit extended, 6 months.Hard Expenses at the moment - 2500K in rent, 300 student loans, insurance etc.. 300month. Own my car outright - dont want a new one for some time.Thinking about getting an EMBA which would put me 100K in the hole Company will sponsor 35 - would take a loan out for that because Im terrified of not having at least 6 months of cash on hand.Thanks for any guidance - its embarrassing that Im at this state but the people on this sub have given some darn good advice as Ive seen so Im reaching out!  <response>: Why are you paying 300 a month to student loans when you have that much cash on hand? Why wouldnt you just pay them off? I guess it would make sense if you had a really low interest rate in some cases.Also you need to jot down a hard monthly budget. This is too little information to give advice on. 