<prompt> Human: Hey guys, Been a long time lurker on reddit, and I have learned a ton but I could use some help. I am 24, graduated last year. I have been working for a full year so far while living with my parents. I dont plan on moving out anytime soon as well. I am interested in saving as much money as possible and developing a solid base so I wont have to worry about finances ever again?.Anyway, hypothetically, I have 10,000 to 15,000 in a checking account while I save 2300 a month. How do I decide what I save for retirement and what I save as liquid cash? My plan is below, I am looking for feedback! With some questions in quotes.1. My company doesnt match my 401k contributions so I plan on putting the max 5500 into a roth IRA by next month. If I put that money in there and lets say I invest it into a mutual fund or stocks. Can I take this money out in 4 years if I need it? I keep reading I can take money out of an IRA without penalty, but is that even with investing?2. I plan on contributing a stead amount maybe 15 into my 2015 Roth IRA by month.3. 6 months of an emergency fund stacked away.this goes to my first question, can I save all my emergency money in a Roth IRA while investing? and if i need it somehow, can I take it out? Kinda confused.4. Small saved monthly for traveling.5. I have been reading about forex trading, stock market and options trading. Im debating which one to dive into, but its something I want to do, and will do. What would you guys recommend learning first? Im fine with losing a bit before I learn as I think it will be a valuable lesson. But not sure if I go the options route or forex route. Insight?Overall, what kind of advice do you guys have for someone in my position? I want to save, but id also like to turn my money into more money. I know you guys are going to say I am taking advantage of my parents, but they like and want me to live at home to save. Anyway, look forward to some feedback. Cheers.  <response>: Ya hold off on forex and options, those are very high risk, learn the basics of stocks first and then you can learn about options 