<prompt> Human: Hi guys, first post here!- maybe just a panic moment but I really dont see how Im going to afford anything in the futurehow people afford anything now!Im 24, 70,000yr, engineer.- I put away 1,000m into a high-interest savings account.- Contribute 6 to my 401k with 50 employer match up to 6. 90 stocks10 bonds- I put 260m into a Roth IRA. 90 stocks10 bonds- I put 260m into a taxable investment account. 90 stocks10 bonds- Total monthly expenses round to about 2700m 320m goes to a 9000 remaining student loanIve read quite a bit about money managementinvesting at my age so I think Im on somewhat of the right track when it comes to the long term - but what about the next few years? I want to have a wedding, buy a car, house, save for my future kids college... just basically what Id think to be normal life things! But when I look at the numbers, I get so overwhelmed. I look at people a few years older than me and theyve been through it all married, kids, house, car etc. - but how do they do it?!?Am I saving too much for the long run now, when I should be putting that money towards shorter term goals? Should all of these major purchases go on credit so I dont necessarily need that much capital right now? What are the options available to me so that I can make it through the next few years without going up to my eyes in debt and putting my long-term goals off course? Ive only recently moved to the US from Ireland, so I have a credit card with an 800 limit on it due to having no credit history here. Maybe Im over-stressing on this, but I really need some advice!Thanks guys!  <response>: Youre putting 1000month into savings. Youd have 50,000 in four years. What are you thinking you wont be able to buy? Your future kids probably arent an immediate priority. 