Save for goals.

 In order to prioritize your goals, set up an automatic transfer that takes money out of your regular account before you have a chance to dip into it. While putting it somewhere with a penalty to withdrawal sounds like a good idea to keep your hands out of the cookie jar, it's not such a good idea to put money you may need somewhere you would get penalized when you are in need. A retirement account should NEVER be considered an option for regular savings or for withdraw.