Uh oh - savings

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I don't have enough cash set aside. What is the norm...1 year living expenses? Also, sink it into a CD or MM?

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6 Months to 1 Year (1 year is a usually too much, unless you are self employed), and in a MM account. MM's are liquid (with few restrictions), and get the same interest rates CD's do.

Emergency funds should be liquid, but cumbersome. Some people will say use your Roth as your emergency fund, I Think this is just a dumb idea.

6 months is what I have set aside in case my fiancé and I both lose our jobs. Our monthly expenses total to about 6k per month, so,I have that set aside. That is accounting for no unemployment.....you might want to add that into you calculation if need be. I really don't know what it would be, but I would guess a person gets like a grand a month for a year, so if you want deduct that amount from your monthly expenses and you'll have a lower 6 month total.

Just recent paid off my wife's credit card and will be loading up on the house to get my 15 year mortgage paid off in 10 if I only average paying $300 extra a month....can probably get it done sooner but things always happen. We also want to,renovate the bathroom, hardwood floors, pool, etc so,that will put a ding in the bank account.

I'm planning on gradually moving money that I just have sitting in a checking account....my 6 months of savings...into a Roth. I think I'll probably plan to keep about two months expenses completely liquid in a checking account.