<prompt> Human: Anyone else have this issue? I dont have that much in savings. But I just get a really high feeling whenever I log in and see the numbers. I get excited to see them grow each month. For me, a large savings account is a reminder that Im doing things right. Its a reminder that Im stable, that I wont ever be homeless, or have to ask friends and family for money in an emergency. The most intoxicating feeling that I get from looking at my savings, is that I know that Ill be able to quit my job in a moments notice, take some time off work, and wont feel rushed to look for another job, and take some crappy job just to pay the bill This is what I feel when I look at my savings... but I also know that Ill need to start investing it soon. Im 30 years old. 50k salary  <response>: I mean you should be able to get the identical feeling looking at your pile of money in an investment account.There are other financial investment accounts besides a 401k which are much easier to move money inout of at will without paying a penalty, though they dont enjoy the same tax advantages. 