Why would you be saving for retirement while working to establish your emergency fund? Or were you comfortable having less than $10k as your amount? Just curious. I'm guessing we are around the same age. Our generation will have been hit by two massive recessions while trying to start families and get our lives in order. My family is in a really good place at this point in time, but man has it been exhausting. I don't think people should have to be as frugal and financially educated as my wife and I have become. Yes, we did it through hardwork, but I don't blame anyone else for not also doing so. FWIW, I'm 37, own investment property, have been maxing 401ks and IRAs for 7 or 8 years, have taxable investments, and still do not feel financially secure.