Great advice. I get antsy when I start to have too much in savings.

Saving is tough to master. I wish more people would embrace the emergency fund. It's so nice to have. You don't really need to worry about any catastrophes and if you want to splurge, you've got the money to take care of it.

But, anything above your emergency amount, put that money to work. Funds that pay dividends are also nice to haves.