[Daniel Magix]

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I would try to increase your liquid savings, ideally to 3-6 months of expenses, in case you lose your job, or for emergencies.

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Yup, I am working on this. Just one year ago today, I had $9k in student loans, credit card, and HELOC debt, and only about $1k in any emergency liquid accounts. Today my balance on the high interest credit cards, the student loan, and the HELOC - is ZERO! and I have built the liquid emergency fund (HSBC for me) up substantially too. But I do want to get my HSBC acocunt up to about 8k or more, to feel safe. I guess that's what I was asking, when I asked about the amount I put into the 401k - should I put less in for now, while I build my emergency fund, or leave the 4% to take the free money from work? But that question was pretty much answered, thanks.

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I would think about putting some money in a ROTH IRA as well.

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Yeah, I've been researching this lately, and after I build my emergency fund, the Roth IRA will probably be my next investment.

Thanks for the feedback.