<prompt> Human: In short, I spent the last year in the big city living above my means. Now Im back to earth and my goal is to save money. Should I prioritize my emergency fund or my retirement savings? Or should I just gradually add to each? Ive been putting 10 of each paycheck into my 401k with 4 company match. I just opened an IRA and it only has 10 in it. Im 26.  <response>: Id say get your emergency fund sorted first, youll need it first. I would figure out what you can save and put it all towards the fund, then once you hit your goal start on the retirement. As your life grows so should your emergency fund tho. 