<prompt> Human: My significant other and I are two mid 20s working and living in the Bay Area, California. I am currently living at home, while my significant other is renting an apartment in San Francisco. My significant other pays 1,500month for the apartment, including all utilities, not including food, going out, etc. I currently max out my traditional 401k with my employer 18,000year, contribute the max 5,500 to my Roth IRA, and invest any leftover funds I have in a SP 500 Index Fund in a brokerage account. I plan to retire as early as possible.My significant other currently earns 65,000year and contributes 15 9,750year of their paycheck into a traditional 401k. Their company unfortunately does not offer any matching at this time. Im not concerned about the 15 they contribute because that seems to be the sweet spot number recommended here, but rather concerned about the relatively large pool of money they have sitting in their bank account.My significant other has around 30,000 sitting in their bank account, collecting basically no interest, and Id love for them to at least contribute to a Roth IRA, and ideally also put more into their traditional 401k to get closer to that 18,000 max. The problem is, every time I try to bring up the topic of budgeting, retirement, investing, etc., they always try to avoid the subject because theyre afraid of the volatility of the market, losing money, and would rather keep the money in their bank account. I understand its their money and they can do as much or as little with it as they please, but it pains me to see the money just sitting in their bank account doing nothing. Ive brought up the topic several times and tried explaining it several different ways to no avail, is there anything else I can do here?  <response>: To be honest with you I think you need to mind your business. Youre asking your SO to allocate almost 60 of their gross income to rent and 401k and to diminish their emergency fund in favor of investments. Plus they still have to pay taxes, utilities, food, entertainment, etc. Im no numberologist, but that doesnt add up and while youre living at home you have no business telling them how to spendinvest their money. Maybe if you move in with himher and pay half the rent and bills theyd be able to allocate more towards retirement? 