<prompt> Human: Background on myself to help:I have 0 debt and my expenses are quite low as well as a very low cost of living in my state. My only monthly expenses are 500 for rent and utilities, 50 for groceries and around 200 for other expenses gym membership, gas, movies, eating out, fun...I find myself having an extra 850 after everything is paid for at the end of the month. I have a 6 month saving account, but my next thought is always invest...invest...invest. I literally put every dollar I have at the end of the month into some kind of investment. I cant help, but to challenge myself every month to spend less, so I have more to invest after all my bills are paid. Should I pump the breaks on this a little bit and start setting more cash aside other than my 6 month emergency saving account? Id say about 70 of my investments are liquid, so if I ever need the cash quick Id have no problem accessing it. Sometimes I get the feeling that having an extra lump of cash in the bank would be good. But Im not sure why really. What if I want to go on a big vacation? Buy a house? Make a huge investment? Start a business? Any insight would help. EDIT: The extra 850 I referred to is after Ive made retirement contributions.  <response>: Yes, there is such a thing as investing too much. At an abstract level, investing is selling current consumption in exchange for the right to future consumption and, in general, the market rate for this sale is the rate of return on investment. What would best fulfill your goals - consuming things now, or waiting until youre older?And with where you are financially, Id seriously look into finding a partner and starting a family. Its less work and more fun than society leads you to believe. 