<prompt> Human: Hi Reddit - My husband 28 and I 25 got married last year and we currently have about 60k in our savings account. We have saved around 12K in the last year and would feel comfortable in saying that trend would continue in the future. We dont have any debt and dont expect to have any debt in the future besides our mortgage. We bought a house last year for 220k and currently have 175k left to pay on it. It is a 30 year fixed rate mortgage at 4. I pay 20 into my 401k and my husband has a pension but has also been putting money into differed compensation. We arent planning to start trying to have kids for at least two years. Does anyone have any ideas on where we should invest our money for the next 5-10 years? Thanks in advance!  <response>: When you have maximized your tax advantaged accounts explained above, thats where things get more complicated. Investments that do not have special tax savings makes it more difficult to decide. This is a good resource. Overall, note that this subreddit generally doesnt advocate random stock purchases aka--I hear that Amazon is doing really well, should I buy 20K of shares? 