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[quote=Anonymous][quote=Anonymous]Please excuse my terrible writing. I feel a bunch of what I responded with isn’t clear. Back in a couple of hours anyway.

Hopefully you can see my questions clearly. This isn’t a typical question. I feel like 5 areas are pushing against each other, and people will want to respond with an ideal that is too hard.

The 5 areas:
Cash flow
Emergency (in another fund outside of checking?) *whereas we are overlapping our cash and emergency so they’re being efficient as possible
Debt
Retirement
[b]And last, the postponement or attainment of more fun, which can’t be out off for more than 5 years.[/b]
[/quote]

Can you clarify what you mean by this?   And maybe also put some real numbers to your situation?  It’s all theoretical at this point, and realistically there’s no real right or wrong answer.

Generally speaking, keeping extra emergency fund money in your checking account isn’t a big deal, and where it’s parked is the least of your concerns.

How much debt do you have?   When will it be paid off at your current rate?

If one of your employers offers retirement matching, you should take advantage of that.

I think most people will do some fun if they can.  I’d prioritize spending money to visit family, but that’s just me.  Maybe a once in a lifetime trip to Disney while the kids are small.  But if you’re loaded down with student debt, you shouldn’t be spending $10k on a week at the beach over the summer.  [/quote]

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