<prompt> Human: Hey, I am new to saving for my future Im 21 years old and in the last 6 months Ive accumulated 3,000 for my 401k and Roth IRA, 550 for my Employee Stock Purchase Plan, 1000 in my savings, 300 in Crypto Currency yea bad investment return and 100 in an app called Accorns it rounds up to the nearest dollar on every purchase to invest in stocks. I just keep thinking maybe I need to cool off and not jump the gun so much. What do you think?  <response>: Not possible to save too much but its possible to invest it unwisely.Since you are just beginning I would invest in index funds with very low expenses Vanguard and a target retirement date 40 years from now. 