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[quote=Anonymous]We have sufficient emergency savings (IMO). A couple of questions.
1) is it typical to use “emergency savings” sitting as cash flow in my checking account? For example we have $8k in this “fund,” but due to cash flow ..its low point last year was 4k. Its high point 17k.

2)We maintain the $8k in this emergency fund but wish it were $20k (about 3x our monthly spending)

However, we prioritize aggressive debt payment on big student loans. We consistently put $3k of our monthly income for debt. My job is uncertain and it’s like a bonus. We don’t rely on it. But my spouse's is stable and makes the vast majority of it. We don't want excess cash. Yes, maintainig a better fund, say $20k, would make sense to me. But *building* it? No, it doesn’t make sense to us use time that way.

Our debt delays our retirement saving. We have some but it’s behind where you all would think it appropriate.

It’s like
a. Sufficient for emergency. Job loss would only occur in a Great Depression. There is always a job opening for dh’s job in any city. We feel this step is done. 
b. Aggressively working on student loans. 4 of them. 4.5-6.8%. Especially the big balance one is the high interest.

—Steps c and d together—

c. Then adding to retirement, again, aggressively to make up for time.
d. Along with step 3, increasing our emergency fund. [/quote]

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