Now with your Fully Funded Emergency Fund in place you can start Baby Step 4 15% of income into retirement AND Baby Step 5 Saving for your childrens, or grand childrens education. Discuss Baby Step 4 & 5 in this forum
Baby Step 6 is paying off your house mortgage. Baby Step 7 is about creating wealth to change your family tree, truly LIVING like no one else, because you LIVED like no one else and giving money away.