[trustfundbaby]

Savings are huge and I think you should be putting more away each month. Liquidity is underrated.

Do this, stash 5% more of your money in your savings every month and try to live off the rest, keep doing that till you repeatedly have to go into your savings to finish out the month and you'll know how much you can absolutely not do without.

Also try not to use Credit cards. I haven't had one for years and I only spent what I had, now that I have one and pay the balance off each month (trying to rebuild my credit) I find that I spend about 20% more each month than I have to simply because I know I can cover it.

Hope it this helps.