<prompt> Human: I have an emergency fund set up.I am contributing the max to my Roth IRA.I am also contribution 20 pre tax to 401k company matches 5, plus an additional 5 after tax. I feel like I am hoarding cash. I dont really spend any money other than necessities. No vacations, no drug habits, no girlfriend, etc.Im 29 years old.  <response>: Theres one big consideration with saving for retirement: you might not make it. Not everyone gets to live to age 65, or 40, or even 30 for that matter. Plan as if youre going to live to be 90, but live like youre going to die next week. Somewhere in between those two contradicting goals youll find a balance. 