Saving goals- Roth IRA or ER, or both?

[MyCircus, MyMonkeys]

Hi,
We're tracking our money using YNAB, and are both finally maxing our 401k's. I understand the standard investment order is emergency fund (EF), 401k, HSA, Roth IRA, then taxable; but have a question anyway!

Our emergency fund is at $7k- for three months expenses, I think we should have $12k (or more). I'm currently saving $100 per paycheck to our EF.

We have one Roth IRA, at $2300. I currently contribute $50 per paycheck here.

We can't use an HSA (medical issues).

Should I change our savings allocations, to put $100 per pay period into Roth IRAs (start a second, and put $50 per, or just keep the one and put $100 per in?)? Or focus on saving our EF until it hits $12k? We both have pretty stable jobs, and our current EF could last for three months, if we had to (cut everything except food, insurance and mortgage).

Thanks for any help.

[terran]

You could do this: https://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund

[ditheca]

I use our Roth IRAs as the emergency fund.  My employment seems pretty stable, so there isn't a high chance I'll actually need to access those funds.

I've been doing this for three years, and this strategy increased my net worth by about $9000 in tax-free growth.  I'm glad I didn't have that money sitting in a savings account!