You feel good when investments go up, bad when they drop. That’s a typical response, you’re doing well, you’re young and have a nice nest egg started, you entered your first recession. When the recession is over stocks go up per quick, like housing after it rebounded.

I’d research/talk to advisors/look at funds with your risk level maybe and make more than 3% on your money. Of course leave some for actual emergencies, but if your job is stable, $100k is high IMO.

I know larger efunds are popular here. If you prefer that, that’s your choice. I’m a higher risk taker so keep smaller efund.