<prompt> Human: Hey guys, throwaway account here just because some people know my main. Currently 27 yo make a bit over 80Kyr in a very high COL area. Im currently maxing my 401K 2.5 employer match and my Roth IRA -- and the current value of retirement accounts 70k combined. My savings account holds 6 months of expenses which serves as my de-facto emergency fund 10k, so Im prepared if I were to lose my job. Now my financial question comes into play -- I keep about 2k in my checking account which essentially hovers at that mark - a few hundred each month, as my miscellanious spending and whatnot outweighs any additional savings. Should I be saving additional cash outside of what Im already saving? I do have a few short term goals coming up, such as wedding in the next 3-4years, and perhaps a house in the next 6-7. If this is the case, should I cut back on retirement savings to fund these ventures? Or simply see if I can cut into my miscellaneous spending and save more eating out, sports, concerts, etc.? Thanks for your helpadvice!Edit -- No current debt, outside of 5k in student loans at a 3.8 interest rate paying min  <response>: I am in a similar situation as you but 29 years old. I still max all my retirement account because... I dont want to work anymore when i turn 55 years old.At your contribution rate, you are on the path to financial independence way before retirement age.If you do not mind retiring later, start contributing less to the retirement and to regular taxable account. 