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

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10k is what I use. Depends on your expenses and for how long you expect emergency to last.

If I need more I use Roth IRA.

if I need more I use heloc.

If I need more I can dip into my reserves for vacancies and maintenance on my RE.

I like different levels of protection.

AND So on and so forth.



This is my current goal

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awesome! you will do it,just stay the course. I like having lots of redundancy. plenty safety nets. Having that in place allows me to be more aggressive in my other business dealings.