<prompt> Human: 23 yo Southeastern USAI bring home about 4,000 after taxes.785 Mortgage and HOA on 115,000 home 30 Years 4.6 Interest400 Car Payment 72 Months 4.79 Interest I bought a new car because I have to deal with clients being in my vehicleGrocery Budget Eat Out is a hard limit of 400 a month for wife and myself. We have a child on the way so I will not be including my wifes income as she will be staying at home with our baby.Car Insurance is 170 for two vehicles.Miscellaneous Reoccurring bills for internet, electricity, life insurance, water, gas, and streaming services varies between 250-300 monthly given the last 6 months.I usually have between 1,500-1,800 left after I pay our bills. Of that I usually throw some of it at the principal of the mortgage and car note. I am maxing out my 401K 6 match, currently have 5,000. My emergency fund sat at 2,000 before a recent car repair took it back down to about 500. I know this is an area where I need to improve, I will be building it back up over the coming months. Looking for tips to increase how far my dollars go. Rental property tips, stock tips, etc... Thank you!Assistant: If you have 1,500 to 1,800 left over each month after paying the bills, you should have no problem saving cash to build your emergency fund. Where is this money otherwise going each month?Human: At the principal of the car and house. At one point it had about 3,500 in it. Cat needed surgery then wifes car needed a major repair. For the next couple months I will make regular monthly payments on the vehicle and home. I am thinking a 5,000 emergency fund is what I am going to shoot for.  <response>: I think with about to be the sole breadwinner of your house, with 2000 of hard expenses every month and a child on the way, you should have an Emergency Fund of 6-12 months instead of 3-6. I think 10,000 minimum would be a better Emergency Fund for you and your family. 