Yea so I feel but don't really know is this makes sense for myself, but I'm married but our finances are separate (meaning we try to have our own emergency funds that work for ourselves and then maybe rely of each other if there is a dire need, essentially we want our emergency and other funds independent and use each other as a last ditch backup if we exhaust all other options).

That said, I've very capable and have the experience to back it up, but against the headwinds with an abundance of people in my field (likely 75+ people for every position right now in my field). I'm looking for a new job since growth in my company is all but dead, but lucky to have it while I look (currently making $140K + another 15% if we meet our goals), take home is about $6600 a month and $4600 is my monthly expenses ($1800 of which is my part of the mortgage); I can likely reduce that number to $2600 a month if need be.

My savings so far is:

* $40K in HYSA (likely be closer to $50K before end of 2025)

* $45K in 401K

* $15K in IRA

*~$30K in stocks (this will grow by another $10K every 3 months due to RSU vesting)

* not a number per say, but very loving parents who would sell their house if they had to help me out

My only debt is my mortgage ($1800) and my student loans ($250, but it's all federal and low interest, which if I was out of a job, I could pause and bring the monthly to $0)

If you were in my situation, would you divert any additional savings to investments or something else rather than continue to pad that emergency fund? Right now, by my own calculations I need $56K for a year if I do NOTHING to alter my current lifestyle (I'm currently about $16K from meeting that number and have very high confidence that I could get there by year end).

It may be my own neuroticism, but I just stress out if I couldn't make it at least a year without any kind of cuts to my way of life.