<prompt> Human: Backround:I am 23 years old, almost 9 months into my job making 90kyear.In the first 6 months at job, I ended off with:10k emergency fund, no debts, and rest of money in 401k.nbsp;For this year my budget is:90k - 70k after taxes with standard deduction and 401k deduction according to SmartAssetMax 401k at 18.5k - 51.5k In addition would get company match at 5 for extra 4.5k in accountBackdoor Roth IRA or 5.5k- 46kEmployee Stock Purchase Plan can commit up to 10 to is 9k - 37k 15 discount with lookback so is a no-brainernbsp;Overall my total spending budget rent utilites transport food fun spending money vacation anything else comes out to 36k, or around 3000 a month. This leaves me with 1k left over to put in a savings account. I intend on selling my ESPP and putting that into an ETF with discount and taxes Ill estimate it will be 10k a year. This makes my total savings for the year to be:nbsp;28.5k in retirement accounts 32 gross income, 42 take home11k savings 12 gross income, 16 take homenbsp;Is this heavier allocation towards retirement a bad idea? I dont need to buy a car, and my first down payment is at least more than 5 years off as I am single and plan on renting since my job may move locations. Is this allocation and budget fine and I should I just put the savings money into a 3-fund lazy portfolio, or is it too risky to have too much in those retirement account?nbsp;Thank for reading all of this, kind of new to this personal finance planning and investing so any help is greatly appreciated.  <response>: Dont forget an HSA if you have one! This is great to do. If you have a big purchase coming up, like a house you want to buy, you might want to allocate more in cash, but this strategy is fine. In a real emergency you can get the money out of those accounts anyway. There are fees and penalties, bla bla bla but should the worst happen, that is an option 