Assuming your jobs are stable, I'd probably spend 3 months upping the emergency fund from one month to two months while researching the other two options, then knock out those smaller ones, which should only take a month of savings each. Then finish off the emergency fund. But really, there's not a wrong choice, you're saving a decent amount and doing important things, and they're all useful and need to be done, so do whatever you decide makes you feel most uncomfortable right now not having done.