Roadmap to determine how much of savings to invest per year

[GlennSG]

Hello!
 I’ve recently been following Mr. MoneyMustache and I’m looking to try and save 75% of my income next year. I set up a Roth IRA and a General Investing account with Wealthfront’s Index Funds, and I’m also interested in real estate investing in the future. I was wondering what would be a good allocation of my savings towards the investments I have now (i.e. $6000 for Roth, 25% to general investing account, 25% towards other investments, rest for expenses)? How much should I keep in savings for emergency fund?

I’m new to community and just got started reading the blog posts so this question may already be answered. However, would still like to hear from others about what allocation strategy worked for them.  It would be nice to figure out a roadmap or gameplan to follow for next year’s savings goals.
 

[markbike528CBX]

The sticky threads at the top of each subforum are key reads.
Example:
https://forum.mrmoneymustache.com/investor-alley/investment-order/

You will notice that there are large debates on the size/type of emergency stash.
My answer is a cash savings account of 6 months current _expenses_, not salary, as a maximum.
Whatever will let you sleep without worrying about basic expenses.

Disclosure: I don't have an"emergency" stash as I'm FIREd, overshot my FIRE number by 40% etc.

[Metalcat]

There is no roadmap and no clear answers to any of your questions. The answer will always depend on your personal circumstances, so the best advice is to keep learning, and keep asking questions until you understand the pros and cons of different approaches well enough in order to intuitively know what's best for your particular situation.

As for e-fund, people here keep anywhere from $0-a few years of expenses in an e-fund. The reasons behind those decisions are as varied as people themselves.

How much you put aside will depend on your job circumstance, how comfortable/uncomfortable you are with the possibility of having to sell equities when they're low, how focused you are on maximizing every dollar, what your cash flow needs are, what your tax situation is, etc, etc.

When you are 100% invested, it's not like the funds aren't available, there are just certain consequences to cashing them out. Assess those consequences, plan accordingly.

[Buffaloski Boris]

There is no roadmap and no clear answers to any of your questions. The answer will always depend on your personal circumstances, so the best advice is to keep learning, and keep asking questions until you understand the pros and cons of different approaches well enough in order to intuitively know what's best for your particular situation.

As for e-fund, people here keep anywhere from $0-a few years of expenses in an e-fund. The reasons behind those decisions are as varied as people themselves.

How much you put aside will depend on your job circumstance, how comfortable/uncomfortable you are with the possibility of having to sell equities when they're low, how focused you are on maximizing every dollar, what your cash flow needs are, what your tax situation is, etc, etc.

When you are 100% invested, it's not like the funds aren't available, there are just certain consequences to cashing them out. Assess those consequences, plan accordingly.

^^^This^^^

Malkynn is wise.