Hi Elisabeth, everyone's financial journey is different and different levels of comfort in managing money. If I'm understanding you correctly - you have 60k being managed by brokers for your retirement and they take 1% per year? Does your place of employment offer a retirement plan? If you want to try to avoid the high fees you could look at setting up an IRA at one of the brokerages (e.g., Vanguard or Fidelity) and investing in an ETF and drastically lowering those fees.

To your question about your emergency fund being 30k. Feeling comfortable is important and with interest rates high right now it makes it a good time to be in cash. I might suggest you look at money market funds or Treasury bills to squeeze out a bit more interest.

I will say that I'm not a certified financial advisor and all my advice comes from personal experience.

Best, Trekking