Here are some reasons I am not that interested in growing my emergency fund much more.
-My Roth IRA is on track to be maxed, but my 401k isn't anywhere close to the limit.
-I wouldn't mind paying off student loans more quickly, but realistically, this isn't the best use of money anyway
-I would like to start trying out some savings that are slightly less liquid: money market funds or T-bills. And to have that money earmarked for future purchases rather than emergency: house downpayment (at least 5 years), new car (several years--I dream of paying cash), or less important, a vacation (I value travel highly... but am resisting for now)
If my car had suddenly became undriveable, I could get rides to work as a short term solution (I live in a smallish city, no big commutes, know a couple people at work that live close enough) or ride bike if the weather was good. Now, I don't OWN a bike, but I could easily get one with my emergency funds! I do have some sort of long term disability insurance through work, though i'm rusty on the details (I'm young, therefore invincible
Six months is a lot of money, especially when you have only been working 12!
But I do get the point.... Realistically, I think part of it is that it's not very "fun" or "interesting" to stick money in a savings account, especially with no "goal" tied to it. That is a silly reason to make a financial decision though!
Based on comments I think that I'm going to keep building it... But maybe when it gets a bit higher, still try out some things slightly less liquid, but still "safe"!