<prompt> Human: Hello. I wanted to ask the community here for some advice on where to put my money. I am currently working as a Software Engineer making 80,000year. My total monthly expenses are about 2000, leaving me with a huge surplus at the end of each month. I have only been putting the money into a savings account, but I know I should be putting this money elsewhere. Im currently 25 and I want to retire before Im 40. Assuming a savings rate of roughly 56,000year for the next 12 years at 0 interest, Ill have 672,000 which is more than enough for me to live on for the rest of my life since I plan on retiring in SE Asia. I also have family in SE Asia, so it wont be difficult for me going back there to live. So, rpersonalfinance, where should I be stashing away money so that in 12 years I have access to it? I will be opting out of a 401K and a ROTH IRA as they both have penalties for early withdrawal, so I need alternative resources to access my money before 40.  <response>: Id check out rfinancialindependence if you are serious about wanting to retire early. 