<prompt> Human: I am using a throwaway since I am getting into my personal finances. I am 29 years old and bring in around 85-90K a year. Up until recently, I had about 175,000 put away into savings TFSA, RRSP, Non-Registered and I always felt confident on my retirement plans and my savings.However, in the last 2 years, I have purchased a rental property in which I put down 20 roughly 75K. It is fully rented and the tenants are awesome and the rent makes it self-sustaining and then some. Then more recently, I just bought a house and put down 20 again roughly 50K.Now with my savings just a fraction of what they were, I feel broke. I didnt touch my RRSPs through work so I still have some money there and I am still saving full 18 per year. That money is almost non-touchable though and I really dont have access to it without harsh penalties. However, my TSFAs are empty and so are my non-registered funds.The only money I have right now is basically what is in my chequing account 6,000. I am really watching my spending right now and honestly, I feel broke. Did I make a mistake moving into a house and depleting my savings? I always liked knowing I could access my money whenever I needed it, and how I cant do that since the money turned into an asset. Sorry for the rant.  <response>: I mean, you dont really lay out enough of the details to work the math, but youre describing being house poor, which would indicate that you overspent.The feeling part is a liquidity problem and you also have a leverage problem as well and youre taking a crazy amount of risk. Id consider cutting back on the 18 retirement savings. Youre already completely illiquid so dumping more money into illiquid assets isnt a good plan for right now. You need a much larger liquidity cushion than you currently have.Hard to get into any more details beyond that since youve only outlined the high level issues. You should get a plan to get back to a more sustainable level and lower risk level on your allocation. 