<human>: Can you give me the gist of the text in a nutshell?

I'm a 25-year-old NYC resident making $80k, about to move in with my SO, who makes $90k. I work in an unstable field and the cost of living is obviously high here, so I've been very conservative about stockpiling an emergency fund. I have accumulated $30k that's sitting in a Capital One 360 savings account, which I've realized is probably excessive — my monthly expenses, including rent, are about $2300, so that's more than a year's cushion. In case of a truly dire emergency, I'm lucky in that I could rely on my partner or parents, who live nearby, for help.

My current plan is to keep $20k as an emergency fund, leaving $10k in my savings account and buying $10k in I-bonds (I'd ladder this in gradually to avoid getting screwed over by the fact that the funds would be inaccessible for the first year). We're planning on getting married in 3-5 years and hoping to buy an apartment in the next 5-10. With wedding costs and downpayment in mind, I'm thinking it might be smart to put the remaining $10k in non-terrifying mutual funds (maybe Vanguard Admiral Shares if I go for all $10k) to see if I can grow it.

I've never had a non-retirement investment account before: Is putting that $10k on the market a good idea? Does this plan make sense?

Secondary question: I just started a new job and my company won't match my 401k contributions until a year has passed (at which point I'll definitely contribute enough to get the full match). I've been maxing out my Roth IRA and will continue to do so. Before the company match kicks in, should I bother with the 401k? If so, how should I prioritize between contributing to the 401k, investing in a non-retirement account with shorter-term goals in mind, and feeding my regular old savings account?

Thanks!
<bot>: Emergency fund is bloated at $30k—should I keep $20k for a rainy day (half in savings, half in I-bonds) and put the other $10k in mutual funds towards wedding/downpayment?