<prompt> Human: I am in my early 30s and I contribute 7 of my income to a 401k my company matches 3. I also contribute between 5k and 10k each year to a Roth IRA, for the last 3 years. I have about 80k saved for retirement between the two accounts, and I think that is pretty good for a person my age. I take pride in being financially responsible in this regard, and being able to feel secure about my future.But I also cant help but wonder how risky this is. For my Roth, I invest into an index fund TRP Retirement 2045, which is currently more stock-heavy since Im young. Ive been reading reports of guys like Warren Buffet selling all of their domestic stock and predicting a collapse similar to what happened in 2008. I witnessed people losing their entire retirement savings in a mere month with the crash of 2008, and I dont want to see my hard-earned money pissed away in a similar fashion.I cant ever be 100 comfortable with having my money entrusted in the stock market, no matter what the economic conditions. But am I being overly paranoid to worry about this? I cant help but wonder what else I could be doing with all the cash I put into retirement every year. I could take multiple international trips for one thing and really get to see some cool things.Just curious what others think about the risk of dumping tons of money into non-liquid accounts at a young age.  <response>: I also contribute between 5k and 10k each year to a Roth IRAI hope you are married. I witnessed people losing their entire retirement savings in a mere month with the crash of 2008Sure, but it has come back and then some since then. As long as you dont panic in the dips, and stay the course, you should be fine.dumping tons of money into non-liquid accounts at a young ageI dont really consider the Roth a non-liquid account. Sure it is best to think of it that way, but it doesnt have to be.I could take multiple international trips for one thing and really get to see some cool things.Everyone is different. If that is something that you value more, then by all means do it, dont have any regrets. 