conversation: User (Practicing): "I have recently noticed that a large percentage of my net worth (not just assets) is in my retirement accounts.\n\nI just turned 28 and retirement accounts make up 67% of my net worth. The percentage has been declining a bit over recent years but it has hovered mostly around 70% for a while.\n\nI'm wondering if this number is appropriate, too high or too low. In case it helps, some background:\n\nI have a decent emergency fund that, while somewhat liberal based on actual spending, is more than enough to take care of my wife and me in the event of an actual emergency. It currently sits at about 3 months of expenses if we both lost our incomes and maintained our lifestyles. It would cover about 6 months if only one of us lost our income and we maintained our lifestyles. We both have incredibly stable jobs and parents who would be happy to take us in in the event that we need to move.\n\nI also have a chunk of money that is invested for vague medium term goals in Vanguard 500 Index Admiral Shares which is always accessible if completely necessary and would triple our emergency fund.\n\nEach month, my savings breakdown is as follows:\n\n- 45% retirement \n- 27% savings (split between adding to the emergency fund and adding to the medium term investment goals)\n- 27% extra money towards my wife's student loans (she's a lawyer)"
  Self: "approximately 52%"
  User (Practicing): "That sounds like a good number."
  Self: "It's been rather steady.\n\nWe have one year's of expenses saved up in an emergency fund if both of us loses our jobs (because we are very risk averse).\n\nThe current goal is to pay off our mortage.  "
  