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Hi All,

Just to clarify a few points. The 16k E-Fund is a comfortable 6 months of expenses. That's basically keeping up my rent, investments and everything else. I also consider it my sleeping well at night money.

I've raised my savings to 11% this year. As someone has already pointed out I could start doing different vacations or travel cheaper and invest the difference. That's not something I'm willing to do just yet. I have a stressful job and I like nice vacations to relax.

My actual take home pay is about $3200/mo after taxes and such.

Thanks for the thoughts and encouragement. I'll give some thought to finding a few extra dollars each month to invest.
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