A few thoughts:
You don't mention how old you are, but regardless, it seems you have no retirement savings (?) Starting one should be a priority, especially since you have no debt and some emergency funds. You should at least start an IRA--the annual contribution limit is pretty low, but the earlier you get started the better! A Roth IRA may be a good choice in addition. Get the Boglehead's Guide to Investing and read the whole thing--a highly acclaimed, no-nonsense guide to investing for a wide range of goals (retirement, income, kid's college, etc.)
In addition, scrutinize all your monthly and recurring expensese and be ruthless for things to cut. If you really enjoy your coffee or whatnot, allow yourself to continue enjoying it! But look at things like cable TV, gym memberships and the like and ask whether you're really getting your money's worth out of them. If not, then cut, cut, cut! Seaking of cutting, fire your gardner, buy a push mower (some of us hate noise!!!), get some exercise, and cut your own grass. Better yet, landscape with rocks and low-maintenance plants. Look for better deals on insurance, internet service, and the like. See what you can get away with not buying or using less of. Save the remainder.
Automating your savings is a painless, surefire method of building wealth. Most employers will be willing to funnel part of your check into whatever acct you specify.
