I get it. I try to always earn enough to pay down my debt beyond what I owe every month. Still, my accounts for savings are separate and I put the maximum into

I get it. I try to always earn enough to pay down my debt beyond what I owe every month. Still, my accounts for savings are separate and I put the maximum into them annually. I've got a Roth and a SEP and I find myself gambling with them to keep ahead of inflation, individually trading stocks. And I wonder if this is normal or not in this community (since this is the closest I have to a community of people sort of similar to me).