<prompt> Human: Hi all,My asset mix savings, checking, personal investments, retirement accounts, and real estate is all over the place and Im trying to figure out how to optimize this. Im somewhat new to the world of investing or planning at all for my future. Looking for feedback from more experienced folks. nbsp;First, Ill acknowledge that it all depends on my goals, and my goal right now is to build wealth quickly Im 34 and very behind on retirement goals and get to a comfortable spot, while also having enough of a safety net in case I lose my job. I work in salesmarketing and its a performance based role, so losing my job is always a possibility if Im not able to bring in business for a long stretch. Its a stressful way to live.nbsp;Also, my 401k is garbage, so I stopped contributing. No employer match, and the options are very limited. I felt I was better off putting that money into my IRA post tax in a low-cost index fund. nbsp;Heres my current mix.nbsp;Savings checking: 20kInvestment accounts non-retirement: 27kIRA: 16kHouse: I recently bought a home and still owe 410k, and its valued around 460k. Monthly payments around 2400, but I have a renter that contributes 1100 to that, and knock it down even more with income from Airbnb.Debt: No other debt aside from my mortgage.nbsp;Would love to hear any advice from people that actually know what theyre doing. Because I clearly dont.nbsp;Thanks!  <response>: If you have maxed out the tax advantages and employer matches, you are doing the best you can. Having more money saved is good and you can still call it retirement money, it just doesnt have tax advantages. 