the psychology is a huge barrier for regular people. I have a few friends who, after failing repeatedly at making proper budgets and building savings, just star

the psychology is a huge barrier for regular people. I have a few friends who, after failing repeatedly at making proper budgets and building savings, just started buying two year bonds every time they had extra cash. or they do stuff like deliberately having their paycheck over-withheld so they get a big tax return at the end of the year. I can at least respect that they have the self awareness to realize they can't manage a portfolio, but it's kinda sad that they have to allocate their savings this way. at best, they end up barely beating inflation. this makes me wonder if there's a way to invest in something like a broad-market index fund but with an n-year lockup. obviously IRAs exist, but young people usually want to be able to access some of their savings a little earlier for a house. is there anything like this? it seems like "not being able to sell shares whenever I want" is actually an important feature.