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I do and have all the things you listed

* 401k maxed out to IRS limit every year primarily for tax benefit and retirement saving. Don't qualify for Roth and IRA.

* Two non-retirement investment accounts. Our expenses are lot less than income so all savings go to one investment account.

* One investment account has managed and index mutual funds and ETFs. Another smallish one is a 'play' account primarily with individual stocks, typically use quantitative trading strategies and macroeconomic trends.

* A saving account with emergency funds (six months net pay)

* No debt other than a smallish mortgage.

* We drive 10 year old cars. May buy a new one in late 2011.



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