[godzilla82]

I know it is a difficult ask for commenters to tell where they are from, but most answers wouldn't make sense unless that information is given. I would have completely different money management principles if I lived in SF bay area or in a developing country. Also, the state of the economy matters a lot. If you lived in a country with 6+% rates of inflation, you would have completely different future planning than say in SF bay. Also important is taxation and rebates in your region. But I am pretty sure you are in SF bay area, as are most other commenters here, so I will excuse myself as I have nothing useful to advise.