re: How much of an emergency fund do I really need?

I've always had the feeling that the goal should be to have an emergency fund with 3-6 months in expenses (not income). You have few expenses, so that amount might be really low for you.

But it won't be like that forever. I'm assuming at some point you are going to want to move out, start a life, get married, etc.

After you max out your Roth, definetly put money into your 401K before you start playing around with retail investments.