<prompt> Human: Long time lurker here. Before I discovered this sub I knew nothing and saved nothing. Im here asking for even more help. Numbers: Im 26 making 52K and contributing 12, half into a pre-tax and half into a Roth. My distribution is .5 FID Prime, .1 Midcap, .1 international discovery, .1 large cap, .17 small cap, and .03 real estate. I have 10k in a investors checking account. I havent gotten into actually investing it yet, as thats my rainy day fund and I havent had the balls to put it in the market. His argument: My car is a POS 200kmi and will need to be replaced sooner rather than later. I also need to start saving for a down on a house. For both of these things I need liquidity. I cant predict that I wont want either of these things, because I might meet the girl of my dreams who wants different things than I do, and subsequently change all of my plans for the future immediately. My argument: I am trying to move my career in a direction where I will be moving abroad frequently and for extended periods of time. This is not conducive to a car or a house. I already have 10k in the rainy day car down payment fund. I like contributing the amount I am because at my age I am leveraging compound interest. Ill have time for the savings account later. Seems to me I should contribute more now to the account where the timing really matters, and wait to contribute to the account where Im not even beating inflation. If you need any more info please ask, and if based on what you read you have any advice outside the scope of the title question, Id love to hear it. Thanks PF!  <response>: Up your savings rate to 20.Put the additional 8 into short term savings for near term goals. 