<prompt> Human: Im not the type of person who wants to live very long, however I dont want to end up making things worse for myself while Im still here. And for that reason I try to be responsible, follow guidelines, think things through. So I do the whole saving money thing, but Im not sure whyAfter Im done with a one year emergency fund, what else am I supposed to do with the money I save if Im not interested in having it grow for retirement at all? Do I just stop doing it and the money I used to save becomes normal money? Or is there anything else I could do with it that will benefit me in 3 years instead of 30?  <response>: If you dont want to save for retirement, then put your money in non-retirement brokerage accounts and invest it as you see fit. How long you want to invest will be the 1 driving factor for what you invest it in.The reason we save in retirement accounts is for major tax advantages. IMO its foolish to not save for retirement, and to not take advantage of those tax breaks. 