I need some advice on investment and saving up on my war chest. Am I investing too much? Should I have a war chest in case market crash?

https://www.aaronleow.com/life-budget-calculator

I do not save monthly as well. I invest 80% of my cashflow every month. The percentage heads up as your income grows if your expenses does not grow in tandem with your income.

I set aside my emergency funds and invest heavily through my cashflow plans just like you.

A war chest is required if you foresee that your expenses of 6 months will exceed your 50k emergency fund.

And if you foresee upcoming liquidity events like a home purchase, marriage, and such, it will come down to the strategy of your investments in protecting your capital.​​​

You are very satki. i old uncle graduated 20 years ago until now also don't have half your salary.

anyway to answer your question, by saying "market crash" means you want to monitor the market. if you have the passion, time, and guts to do so, then you should. there was an article somewhere shared here which says lump sum investing beats dollar cost averaging.

but for people like me who can't be bothered with the news and such, I just put in a fixed sum regularly.

whether you are investing too much or not, is a question for yourself. your friends might not know your situation. what are you investing for, what is your time line, what is your desired amount. my investment coach taught me this, if you need a million (for whatever reasons), and you already have a million, then there is no need to be greedy and take market risk.

hope this helps.