<prompt> Human: Hello all!Im 40 years away from retirement. I have 6k in liquid cash and emergency funds but about 22k in my retirement plans. I contribute 5 of income to a 401k with a 5 employer match and then max out my IRA, all of which amounts to about 15 of my income to retirement. I know Im sticking to the generally accepted guideline of how much to save for retirement, but Im wondering if Im contributing too much to a fund that will not be accessible until Im 65 and not enough relatively liquid accounts that will pay my big expenses in the near future house, vacations, etc. Is there a general guideline for how your savings should be divided between emergency, near future, or retirement?  <response>: Honestly, Id say thats too little for retirement, but then again, Im pretty conservative when it comes to savings. 