<human>: Condense the text into a few key points

Hi Reddit,

I have had a "real job" for about a year now, and I'm just not sure how much money I should be keeping in my checking account vs. savings. I have an emergency fund that I am currently building up by contributing $200 a month, and contribute to both a 401k and Roth 401k through my job (about $120/month, planning to increase in a few months when I get a raise). Before I began working, I was constantly broke, so having a nice cushion in checking definitely puts me in a comfort zone. Recently I'm thinking I need to break free of the "I'm constantly broke" mentality since I've been making good money for a year, and am concerned I'm keeping too much money in my checking account.

Some stats:
Balance in checking: $4,378
Balance in emergency fund: $1,223
Balance in both retirement funds: $2,821
Estimate of monthly expenses: $2,000
<bot>: Is there a rule of thumb, ratio (checking:savings:retirement) or percentage of earnings/expenses I should keep in checking?