<prompt> Human: Im a 31 year old, renting in NYC, no debt and roughly 55k sitting in my Ally savings account. I make about 90k a year after taxes, and am contributing to my 401k. I have no idea what to do investment wise. Ally offers managed portfolios, is that something I should start? Any suggestions as Im oblivious!Assistant: Do you have an IRA? How much are you contributing to your 401k?Look at Schwab, Fidelity, and Vanguard for an IRA and then consider an HSA and a taxable brokerage account for the rest. Human: dont have an IRA, contributing 6 to 401k.  <response>: I would consider opening an IRA and upping your 401k contributions 