<prompt> Human: Not planning to buy a house within the next year or two. May need to buy a car in that same timeframe...but wouldnt go higher than 12k. Have I peaked? Or could I make better moves with the liquid I have? I feel like maybe I should take some and take a stab at investing in the market? It intrigues me...but I also feel I may need to call upon this money based on those assets I will eventually need...  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well. 