Right now I'm not accumulating "walkin around money". I'm working on building my 401k. My ultimate goal is $2mil+. I'll be happy to start with a few thousand by the end of this year. I figure I have 15 years to make it happen. Oh, I also have a 12 year old daughter who will probably need some help with college. Or maybe we could just teach her the "right" way to trade? :)