<prompt> Human: Basically Ive been with the same girl for 2 years and believe shes the one I want to marry. I have a steady income 3600month and no huge outflows besides rent, utilities, and normal every day purchases. I have a savings account that I only keep 3000 in for my 3 month emergency fund and everything else excess goes into retirement funds IRA or matching 401K.Is it better to take an amount from my paycheck each month and put it into savings so I can withdraw whenever I want, or should I try investing it into a few spider funds or something like that through etrade? Thanks guys  <response>: Savings account if you need it in a few years. 