<prompt> Human: I understand that investing in a 401k and a Roth IRA will help you at retirement, but whats the best way to invest or save to have money when youre 30, 35, or 40? Since all of this is more of retirement planning, its money that wont be touched until 55.Edit: Maybe Im asking the question wrong. How do I be wealthy throughout my whole life, as opposed to just at retirement? Working, obviously, but Im young and entry level so I dont make a lot of money right now. Do you guys do anything else for a second source of income? Or do you have any ideas on how to make more money in the career I already have?  <response>: I think youre doing a poor job of asking your question. - How to have money at 30, 35, or 40?Work- How to have large chunks of money for specific expenses at 30, 35, 40?Save money. If its a few years off 35 for me would only be a few years then put it in a low risk account savings, CDs, money market, etc. If it is several years off then consider something that will help the money grow a bit more. This will be in a taxable account so youll pay taxes on growth. 