Ok so we are current on all bills, we have $1000 in BEF, and now will without cc or any other type of debt. My question is do we next do the Bigger EF then move to college and retirement? Ok on top of that we will be trying to save as much as possible to buy this house from my inlaws in a year. So do we focus soley on the house fund (they have given us a year to live rent free) or do we do the big EF at the same time or the big EF then work on the house savings. We can put about $3000 a month toward savings. Thanks.