<prompt> Human: Right now, I have my company 401k matching 4. I put in 8 to their 4.I also have a Roth IRA which I put in 50 dollars a paycheck.The bulk of my money goes into my Money Market where I dont really touch it and then a few hundred a paycheck go into my spending account which I use for random purchases. Is this a good start? Should I be putting more money into my retirement plans and less into my general saving? Should I be putting more into my general saving and less into retirement?  <response>: The goal is to save as much as you can, while living the quality of life you want. Saving at least 15 for retirement is recommended, but more is better.Emergency fund: at least 3 months of expenses. You should add in 3 months apartment costs if you live with your parents.Debt: quickly eliminate high interest debt over 5. Could be credit card, student loan, car, etc.Saving: for a big purchase like apartment deposit, car, house, etc. If you dont need these, invest it.Investing: 401K allows you to contribute up to 18,000. Your employer can also contribute with a separate maximum. Make sure youre getting everything your employer would contribute. Roth IRA up to 5500. No limits in a brokerage account. Investing funds: put your money in index funds with low fees under .1 if possible. I recommend for young people to be in Total Stock Market Index fund like VTSAX or SP500 Index fund like VFINX. They capture the majority of the US stock market and have an average yearly return of over 7. 