conversation: User (Wasabileaf): "Background\n(22M) just got my first job out of collage with no debt. I am planning on putting 20% of my income away but can't determine if I should split it 10/10 between my savings and EF. I currently have about 1-2 months worth of living expense in my EF. What ratio do you recommend and do you ever stop adding to the EF once it reaches 6 months of living expenses?"
  Self: "I'm not sure of the distinction. My emergency fund *is* my savings account.\n\nPerhaps by "savings" you meant retirement savings, which you should definitely be doing. With a couple of months in EF, I'd prioritize retirement savings now."
  User (Wasabileaf): "I plan on having my savings account in something that cannot be liquidated as easily as my emergency fund. I plan on using the EF only for actually emergencies like health or job loss\nSo my main question is the ratio of that 20% between my savings and EF"
  Self: "Are you saving for retirement in addition to these? You should be."
  