<prompt> Human: I got a job for 95k salary in LA. I live with parents, and am covered medically under my mom. I already have a car and my work is five minutes away. No student debt.Basically my largest expense right now is spending 5-10 on food, which I am looking to cut back on.The only things Id like to spend money on is a house eventually in LA the prices are 800k for a decent house, but few cities away its more 400-500k, a car I want to sell the car I have now and buy a nicer but slow depreciating car for 13k. Something like a 13 Mazda 3. Id probably be driving it less than 3000 milesyear, and maybe a pilot sport license, and some travelling.I am thinking of maxing out my 401k company matches 100 up to 5, after which Id have 77,000 taxable income. After taxes, I believe Id have about 54,000. Right now I can probably easily live on 500-600 a month, I have 46k about to put towards investment. I am thinking of just going with the 3 fund portfolio w Vanguard, although I can probably be more aggressive right now. Off 401k, that nets me about 1 million when I am 45, which from my understanding would be close to enough to retire on.Alternatively, I can just do 401k up to the match 5k, and Id pay taxes on 90k, which would make my take home 62k and I could potentially invest 55k. I am 22 right now so my biggest concern is having the liquidity in 3-4 years to buy a house.Is there anything I could improve on?  <response>: In 4 years, you will be off your family insurance. I assume you would like to be financially independent some day, so understanding how bills work phone, cable, electricity, gas, car insurance, health insurance will be important. Maybe use some of that time at home to take on more of your own bills so you arent in for a surprise when you do move out. 