Take home = about $2.6k
Parents = $200 each
Savings = first few months was 20% of take home, trying to do $1.2k per month since Jan this year
Insurance = $166
Endowment = $150 (only treat this as forced savings, definitely not money making tool)
The rest = depending on how I spend it

Haven't explored investments yet, but I guess I wanna make sure I have 6 months worth of emergency funds before I start. Isit too late?