Thank you for that take on it. As a 30 something, I've been "coached" over time that savings is for liquidity in the case of an unexpected event - loss of job f

Thank you for that take on it. As a 30 something, I've been "coached" over time that savings is for liquidity in the case of an unexpected event - loss of job for X months (cover bills with savings), medical emergency (cover bills with savings), or potential family development (need to purchase vehice for teenager). These events are not supposed to be covered by "dipping" into retirement funds, e.g. IRA or 401k. The ideal method of financial planning I was taught is to invest for retirement through financial products which minimize risk and are not liquid assets, while concurrently saving in a "traditional" account.