<prompt> Human: As the title says, I recently paid off all my school loan debt which was the only debt I had. Ive saved an emergency fund of at least 6-9 months of living expenses and maxed out both this year and last years Roth IRAs. I feel like Ive passed rpersonalfinance 101, and Im ready for second semester.Ive set a budget, and for the next 9 months, my income will outweigh my expenses by about 5kmonth. Thats a lot of extra money to just stuff in a savings account, but to be honest, Im not sure where to start. What would you do with that extra money?Some things to consider: After the next 9 months is over, I will most likely not have any form of income for the following 6 months to a year while I travel internationally. Id like to have about 20k liquid at the end of 9 months for use during those travels and to get me back on my feet here in the US when I return. The other 25k that I hope to accumulate does not need to be immediately accessible.Edit: I have NOT made any other retirement savings besides the Roth IRA. So maybe thats where I should start?Edit 2: Going to Philly for the evening. Ill respond to any questions asap, but it probably wont be until Sunday.What do you think, rpf? Whats in the curriculum for rpf 102?  <response>: This isnt an answer to your question at all but I just have to say, Congratulations! That is awesome. Im currently struggling under a mortgage, car payment, and I overspend my budget every month, so you just gave me a hit of inspiration. Good luck in your travels. 