<prompt> Human: I dont want to be contributing to an IRA or anything for retirement. Im at a time in my life where I have few expenses, and decent income, but that will change in the next 10 years, so Id like to get my savings out easily when it comes time.From what I read, mutual funds could be expected to get 6-8, while the best savings account I can find is only 1. So what is the best way to essentially use a mutual fund as a savings account? Is there a way to get around the 10 fee from brokers every month?Yes, I know mutual funds arent guaranteed, and I should and do have actual savings.Assistant: I dont want to be contributing to an IRA or anything for retirement.You are going to regret not saving for retirement in the future.Human: Simply because someone does not save money and earmark it for retirement doesnt mean they arent saving. I never understood why people all say you need to setup an IRA or 401K early in life. I figure, as long as youre saving, youre in good shape. Why does it need to be in an account labeled retirement?  <response>: Tax advantages. Thats the whole reason. 