Being Disciplined

We decided that once we paid off the loan from our parents, we would build our emergency fund upto $20,000. We changed this slightly to pay an extra amount towards our mortgage and build the emergency fund. Looking at the state of affairs right now, we feel that this is a good time to start investing in the stock market. But there is a small sense of discipline in me that is stopping me from doing it. At the rate we are saving right now, we would completely fund our emergency account by end of December. Though there is an itch to go and buy company stocks right now, I think we will wait until December. Something tells me things are not going to turn around completely before December.