You are young and stable and it doesn't sound like you intend to access that savings account anytime soon. You are missing out on a lot of potential gains by not having that money invested.
You might look at your state to find out if you can get tax credits by opening a 529 for your kids. Mine gives you a 20% tax credit for 529 contributions, so that is free money you will use eventually. As long as the 529 allows good low-fee investment options.
Traditional wisdom says to keep 3-6 months of income available in an emergency fund. You have a little over 12.
Personally, I keep 30 days of expenses in my checking account at all times. (
https://www.youneedabudget.com/ is great for that) And I invest everything else. In your investments keep an extra 6 months of income in bonds to act as your emergency fund. It shouldn't take more than a week to get that money back in your checking account, and your 30day balance and possibly a credit card can handle that time.
(This advice might be controversial. Do what helps you sleep well, $15k in your savings would be fine if it feels better.)
I like jlcollins book for dead simple investing advice:
https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926/