<prompt> Human: I finally hit my emergency fund goal this month! Very exciting. Or possibly the word is relaxing, or soothing? Its a soothing goal to have achieved.Now I cant seem to decide where to redirect the money, though. I am lucky enough not to be in debt so thats not it. I guess I should be dumping all my savings into retirement funds then, but for some reason that thought makes me nervous. What if I end up needing that money? If its in a retirement fund I feel like I cant get to it. To be honest I want to hoard my money somewhere I have total control over it. Its very much the same feeling that makes me collect small boxes that could totally be useful someday or refuse to throw out socks with holes in them. Im probably just asking you to tell me to stop being irrational about my money. Anyone got a good way to shout down the irrational hoarding part of my brain?  <response>: If its in a retirement fund I feel like I cant get to it.You can always get to money in a retirement account, its just a matter of if you have to pay a penalty to do so or not.Ignoring the tax-advantages of the established retirement accounts entirely is going to cost you a lot more in the long run than if you contributed and suddenly found you needed to withdraw some of your contributions. 