<prompt> Human: I find it really easy to increase my net worth monthlyyearly, but I have a really hard time building up cash reserves. About me:Age 25-30local government employee50k a year salary6 me 3 employer to 401k6 me 6 employer to retirement pension600 a month rent including utilities2011 hyundai paid off, insurance, mx and fuel are only expensesinvestment property worth 120k, rented out for 1000mo -80 in management fees, - expenses, most months are between 50-100 less than the full 920 amount. Property taxes on that are 3,000 a year.. i know, ouch. Mortgage is cheap, 3.25 payment of 415mo, insurance is 1100 a year.I also save independently to put into a roth IRA, Ive maxed that contribution at 5500 the last 3 years.I have some individual stocks:TSLA: 3200SO: 1400Total balance of 401k is 12000Roth IRA sitting around 43000I have 3500 in silver bullionI have one oz of gold, 1265 as of todayI have 11000 in cash in combined checking and savings accounts.0 CC debt0 Student LoansI spend a decent amount on social life, groceries, etc.. but Im still conscientious to make sure I can have a positive net worth month. In the past 12 mo my net worth has gone up from 75k to 107k, my cash went up 500 as of this post.I know cash fluctuates quite a bit be it paying bills, taxes, CC charges for the month etc, but I think I run into the problem of being like OK Ive got a ton of CASH right now, lets spend it on something be it Bullion, or stocks or making additional principal payments on the mortgage I dont do this often because the 3.25 rate is so low. but its saving and gratifying to pay it down.So what tips could you guys offer to increase my CASH reserves?, because inevitably I may want to buy a house, a new car i like cars, or need significant amounts of cash for what ever reason.Or should I keep on socking the money away for retirement and just deal with not having cash? Its probably the best financial option because of the time until I retire that money will compound 5-7x over the next 40 years.  <response>: I think I run into the problem of being like OK Ive got a ton of CASH right now, lets spend it on something be it Bullion, or stocks or making additional principal payments on the mortgageThis is where your spare cash is going. You identified the problem already. If you want to build up cash reserves, you need to scale back on this behavior. You cant build up a large amount of cash if you keep on using it. Luckily its not like youre wasting the money, its still contributing to your overall financial well-being. The assets at least goldsilver, stocks you can still liquidate and turn into cash reserves if needed. 