<prompt> Human: I feel like I may have too much in liquid assets. Give me some advice guys. About me:67000 a year income grossLow cost of living area with no state income tax650 month rent roomate chips in 340120 electric gas water garbage40 internet100wk to Roth125wk 401kEmployeer chips in 2 on 40150k in savingsemergency fund house down payment fund I dont have control our spending issues so I keep all in same accountI like where Im at but its a small town and I would like to get married once day...not a lot of women around hereI end up with around 1000 left over each month...Should I continue to build my savings and pay for a house in cash may our may not be here in five years our do I start investing some of this?  <response>: If you can continue to put that much away or more for retirement for the rest of your career, you can retire with a very nice nest egg. You can certainly split the difference with that 1000 extra left a month. Put some percentage into something fairly safe bonds, CDs, whatever floats your boat and the other into a taxable brokerage. Then when you are ready, cash it all out and buy your house. Im personally not a big fan of paying cash for a house. It ties up too much money into an asset that likely isnt growing at the same rate as more liquid options. When you combine the additional tax savings you get from the mortgage interest deduction it makes those alternative investments even more attractive. 