Just as the title suggests, how many of you live paycheck to paycheck? Do you have enough in an emergency fund in case you are unemployed for 6 months? I'm starting to hit the age where I am becoming a lot more conscious of my spending and saving habits and want to start becoming more proactive towards my future. Does anyone have any good tips in regards to savings? I don't mean something simple like "don't buy things you can't afford" but more along the lines of what to do when you save up enough in an emergency fund, what to do with the surplus money. Throw it in a Roth IRA? Put more into 401k?