<prompt> Human: Me: I Graduate in May, BBA Finance I have a job lined up already with a mid-sized firm 1000 employees Salary: 55,000 a year with benefits No student loans or debtIll be living at home with my father Ill have to pay for gas for my car, possibly car payments, and possibly my cell phone bill. I have a car but its paid off, might get a new one because my brother needs a car I plan on buying a used ToyotaI dont know what to do with all the money Ill be getting. My employer matches 3 401k. Im gunna have like 30,000 to play around with every year after taxes, expenses, and what I plan to just spend. I know all the investing basics from classes and school. I just feel like this is a shit ton of money and I dont wanna be a dumbass and burn through it all. And I know that if Im smart about investing I can get a good return on my investment. I dont know what I should invest in. Do I go ETFs, mutual funds, or something else. I see myself living with my father for the foreseeable future. Probably for the next 10-15 years. I wanna eventually move out of the state I currently live in to a warmer climate. But thats down the road. I plan on taking two vacations a year thatll cost about 3000 total. Assistant: Max out your 401k 18,500 and Roth IRA 5,500 contributions. That will leave you with 6k.Human: Is there any risk associated with maxing out my 401k or Roth IRA at the start? My dad is kinda against me maxing them out because itll be about 50 of my income.  <response>: You can contribute consistent amounts throughout the year 