<prompt> Human: After 401k and roth ira contributions, what do you do with your money? I feel like putting it in a high-yield savings account with a credit union is just a waste. Also, Ive read that 401kroth IRA is just the tip of the iceberg when it comes to savings and retirement. Lets also say I dont have anything Im saving towards at the moment like a car or house for example. What else does PF do?  <response>: Why does it being taxable make it any different from the way you approach your tax-advantaged accounts? Just put it in a taxable investment account, probably with whoever your IRA is with, and invest it with the exact same strategy as the rest of your retirement money.The one wrinkle is that there are ways to minimize the taxes paid on the taxable account, and you likely will have to shift around allocations in your 401k and IRA in order to do this optimally. Read more here 