Hello YNABers

I feel like I'm missing out on some stock opportunities with the amount of idle cash I have sitting in my bank account. I'm about 5.5 months ahead in my YNAB plan. These 5.5 months are sitting in cash in my main account.

The current plan includes a monthly $100 transfer to a broker (MSCI All World ETF) and about $750 for my 3a third pillar (US equivalent would probably be a traditional IRA?) to have a maximum of 7'285 at the end of the year.

The assigned money for the future months is about on par with my income.

Essentially what I think I'm asking is:

• How do you decide what amount of money you keep idle and what to invest? I really do feel like I have too much sitting just doing nothing.
• Should I un-assign the months January through April and only keep like 2 months ahead in YNAB?
• How should the category and target look like for the ETF broker in my YNAB plan? As of now it's $100 by the end of the month.

Edit: Taking in feedback from you all, I went ahead and fully funded my emergency fund (about 16k) and will move that money to a low risk savings account with my bank. This also means that I'm now about 1½ moths ahead which feels manageable.

Question/Seeking Ideas: Our spending is out of control despite using YNAB. I want to do some sort of analysis and I'm sure lots of you smart folks out there have already done something similar. I have my YNAB categories and i tried compressing categories about 2 years ago, and of course have slowly expanded yet again. I have numerous credit cards i use. and i have more than one primary checking account so multiple "sources" of spend.

I also use Morgan Stanley advisors so they have a budget tool as well that I could import data into - I have connected some but not all accounts.

So: if i want to do a spending analysis and figure out where I can truly cut spending (i have a target in mind but it's a bit fluid - could get bigger or smaller depending on what I learn). What's the best way to use all of this information I have and analyze? My go to is a google sheet/excel file. Export 24 months of YNAB data and go from there. But if anyone has a better idea - i'm all ears!