re: What would you do if you were me?

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It's a good idea to keep 3-6 months of your salary in some sort of liquid account you can easily access if you were to lose your job for some reason. So I wouldn't take all of that out.

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It should be 3-6 months of living expenses, not salary since he is saving so much.

Personally I would keep 2-3k in a bank account, throw as much as you can in a roth and then invest the rest in the market. Unless something like a home or car purchase is planned. Then set that aside.

But don't buy a house when you are 22, that is retarded.