<prompt> Human: Im a big lurker of this sub and its probably responsible for where I am financially right now!Im 25 making 50k a year with 5 raises coming in the next year and a half. My government employer matches my pre-tax retirement contribution of 6.6 of my gross. We dont have a statement of that fund for this last year, but my estimate would be around 10k total funds right now. My emergency fund is sitting around 15k right now. This is plenty to cover half a year of expenses. I also have my down payment on a future house taken care of with a family trust fund my great uncle blessed us with when he passed away 20 years ago.As far as expenses, the only recurring ones are rent of 895 and utilities between 50 and 75, and my car payment of 250 technically debt, but at 1.99, not the high-interest type to worry about. Currently, 1 paycheck is enough to cover all of this.I saved around 6000 last year, all of which went into building my emergency fund. But now, Im looking to find my breakeven and start putting all my would-be savings into a government 457 retirement plan on a post-tax basis, probably in a 2055 targeted retirement fund although Id love to retire in my 50s.Is there anything else I should be saving for that Im missing? Should I continue building my emergency fund or start committing all of that money to retirement?Edit: I absolutely did not expect more than a few responses. Thank you! Theres some really good information in here. Ill get to this later tonight or while Im bored at work tomorrow.  <response>: You might consider a few intermediate term goals to save for in advance, so you dont need to borrow money later on. Examples include a replacement car, vacation, a larger downpayment on a house, or improvements to any house you end up buying. Depending on when you expect to spend the money, you can use mutual funds. For example, I use a target date fund outside of my retirement fund for money I may wish to spend in 2020. This may not be right for you, but it is an example of investing for the medium term in a manner that will reduce the risk as I get closer to when i expect to use the money. But there is risk. Bank accounts or CDs are safer. 