<prompt> Human: I like having liquid cash, so Ive been putting 5 of my paycheck into an emergency fund. Im now sitting on 20,6xx in that fund. After hitting 20k Ive started wondering if I should just stop contributing to that fund and maybe put it in a CD. Right now its in a Savings Account which isnt drawing much at all. Im not sure what else I can do other than increasing my 401k or just saving more in my checking account.Heres how Im structuring my investments right now:Savings 1: I contribute 10 of my paychecks to this savings account and then make quarterly or so transfers to my Roth IRA to max it out every year. Once it gets to my Roth I buy stocks and mutual funds self-managed through etrade. Savings 2: My emergency fund account. I put 5 of my paycheck here every time I get paid.401k: Automatic 8 withheld, with 4 100 employer match plus end-of-year profit sharing.The rest of my paycheck goes toward paying the expenses mortgage, insurance, credit card bills which get paid in full every month. After all of my monthly expenses are paid I end up with 300-500 of fun money leftover, and I usually spend part of it, but keep some left to bleed over into the next month the goal is to have consistent growth in my checking account, which usually happens -- and once it gets healthy enough, I take a vacation or something.Now my question is -- have I built enough of an emergency fund? My monthly expenses if I had to go into emergency budget mode are about 2,500 so I have about 8 months of emergency fund saved up. And if I stop contributing to it, what should I do with it instead? Im already maxing my Roth. Put more in 401k? Spend more? Vacation more? Sit on it?  <response>: How big an emergency fund should be is an individual question. For example, do you feel comfortable with 8 months? Some people are risk averse and need more to feel safe. Are you in an area with very high unemployment and could you find a job easily if you lost yours? As for what to do with instead, it sounds like you already have retirement well in hand. Do you have other goals? This could be travel, or it could be buying a house, taking lessons, picking up a new hobby, etc. 