34yo. If the market recovers to what it was before, I'd have about 450k between roth ira, traditional ira, govt TSP, and HSA. But, in terms of emergency fund, I barely have 30k (ideally would like to be at 45 or 60k), less than 5k in my main checking account, only $450 in Taxable brokerage, and nothing in a cash now situation (e.g. if I wanted to buy a car in cash or something >2000). I've been maxing out retirement for the past 2 years. Been working for about going on 9 years ish. My current car is am financing at 0% over 3 years and only other debt, besides occasional cost debt, is 99k in student loans at 6.5%. I've been struggling to decide how to cut back or where to cut back.

In an ideal situation

Emergency fund @ at least 45k.

Brokerage account

'Hysa' or sgov spending account @at least 20k

Reitement accounts

But when maxing out costs, for 2026, 27 numbers will change, $24,500 for 401 +7500 for backdoor roth+ 4400 for HSA...thats 36k and change.…