>If you don't have a healthy emergency fund, make this your top priority.

The emergency fund was recently depleted. It was around 10k but I had some huge medical bills recently.

> If you do own them, maintenance will come from your emergency fund.

I have it set so maintenance for appliances would come from the long term. Emergency is more like health or really big emergencies like we hit an expensive car and gotta pay for it. If my fridge breaks and we don't have enough in "Long Term" then I'm not really worried enough to touch my emergency fund for it. We can get a mini fridge or something. But that's why I have it split into two. Otherwise, if I'm spending emergency money on appliance repairs or something, I would just have $600 into "Emergency" and it would accomplish the same thing.

The Long Term is a catch all kinda thing for major purchases. Like moving expenses came out of long term. It's really just a savings for big things I expect to come eventually. This was recently high too but moving was very expensive.

I do think the $300/mo in emergency right now is a bit low, but I can just move some long term into it or even the ~20k I have saved up for a house into it if something does happen that fast. For now I'll probably just do $0 in long term and $600 in emergency because we just moved and there really is nothing we have for a long term purchase.

>It sounds like you have a lot of savings goals, so it may feel like your money is spread thin

Yeah I think this hit the nail. I want to save up enough for an emergency. I want to save enough to be able to move out when our lease ends. I want to save up enough to get a house. I want to save up to retire early. Can't do it all on this income unfortunately.

Definitely fine with not getting a house though. The house was just because we hate moving. That's really it. Moving is expensive and tiring.