<prompt> Human: apologies ahead of time if this is in the FAQ... Im still making my way through itSo as it turns out I guess Im pretty good at saving, though I get money anxiety constantly.Im 29 and this will be the first year I max out my 401k in October. Im definitely putting a big chunk of my pay check into 401k and Roth 401k... but the downside of that is there are some months that I dont save any money in my money market and some months that I do save a decent amount. YTD Ive saved only 5k in liquid savings.The issue is that I dont really know what the right balance is. Im going to get married soon, buy a bigger house, have kids... all that in the next few years. I am afraid of having too much money tied up in a 401k and essentially not living my life NOW, but I also dont want to short-change my future self.Also, one thing that bothers me is that everybody I know advises against hiring a professional to help with this stuff. It seems really looked down upon among the people I know to seek help with finances. Everybody I know seems to view financial planners as sleezy people who arent really interested in your financial health but instead their own financial health. Anyway I guess thats why Im here, because I guess I need to learn how to do this stuff myself.  <response>: I agree with duhhh that personal finance is about meeting your goals, not just retirement. Going only by your posts information, if youre maxing out 401ks by 29, Id bet that not only are you a bit ahead on retirement, but youre good enough with money that youll be able to recover from making sacrifices to the retirement fund for a while. Saving money for a house is important to prevent PMI and to just remove the risk of being underwater in general, and saving for children is obviously important as well.One option could be to open a Roth IRA and use that instead of your Roth 401k. Determine your new savings:Roth ratio, and if you end up needing more in liquid cash, you can take out those Roth contributions. This is isnt popular advice, as retirement money should be for retirement, but if youre in a time of transition and changing budgets, its a good hedge in case youre a little off in your estimates.And professionals are fine, and I think everyone here is fine with them so long as they have a fiduciary duty to help you, and dont make money based on a percentage of your gains so basically, a fee-only Investment Advisor. 