I am 25 years old with an annual base salary of $123K, living in a relatively cheap part of the country. With bonuses, my annual gross income could range from $123k - $160K. Currently, I contribute 15% of my income to my 401k to hit the legal limit, because my company matches 50% up to the legal limit. I am putting $2K per month into non-retirement savings and I have about $10K reserved for “emergencies” or unemployment (which is very unlikely in my role or field). My non-retirement savings doesn’t normally go past $15-$20K due to spending on vacations, and other things to enjoy life. I recently started a Roth IRA and I’m trying to figure out if I should try and max the annual legal amount on that, or build up a larger non-retirement savings nest egg. Any advice on balancing non-retirement and retirement savings? The non-liquidity of retirement accounts + withdrawal penalties in the event that I need it, scares me.