Im trying to be vague bc my brother is going to know this is me, and while he knows our situations he doesnt know numbers.

4% of an emergency fund is... what, 1.2 weeks of a 6 month e fund? Less than 1 month of a conservative 12 month e fund?

I honestly haven't been exceptionally worried about esavings bc husbands retirement covers 100% of our monthly expenses so I've been treating that income as bill money and his job as what's available for savings, fun, etc. It isnt going anywhere. Someone convinced me a while ago that this is the wrong approach, which is why its so little. I recently, within the past year, increased what we're putting away from like 100 to almost 250 per month. It could be more, but until June we have to save for a Hawaiian vacay that i didn't really want, but its also a wedding sooo... after that, i can basically double it.

im now discussing with hub to pull his investments because he is not receiving a return and putting it into our savings. We'd fare better on that guaranteed APR than he is in the market. Plus, esavings would be fully funded, negating that concern. That account is between 20k and 60k. Id prefer not to say because again, brother is watching lol.

Status of 401k. Hub invests in his, i dont know what his contributions are however. I do not have one, nor do we have any other retirement accounts. I plan to learn about this subject while in school to make better decisions when the time is right. I dont even know what 529 is. So much to learn.

I think we shouldnt even consider stocks until everything else is situated.