<prompt> Human: Hi reddit! Ive been reading up a lot on personal finance, the wikis, and you all seem to be extremely knowledgeable people. Before I seek out a financial adviser, Id like to get some advice on how to set my self up for a great financial future. Personal finance seems to be going over my head as Im trying to understand all of the jargon and numerous options available.Background: So I am now a 25 year old, full time pharmacist, making a little over 100k. I graduated last year with 125k in debt but managed to get that down to about 95k refinancing my loans. Im really hussling to pay it off and estimate to be done within the next 2-3 years if all goes well. Im living with my parents now so dont have any expenses. Ive already opened a 401k with CVS and have set aside 5 they match my investment up to 5 of my paycheck- that is maximum. Will put more in later, but deciding to put enough to maximize their match and then target my loan. My current 401k plan is an aggressive lifestyle as suggested by another fellow reddit user that has 6 cash as part of its holdings, 28 stock, 28 international stock, and 19 bonds. I also recently opened two online bank accounts thanks personal finance for introducing me to this!. Savings account earns 1.05 and checking earns 0.76 APY. I also opened a citi double cash back card, and will only use my chase freedom for the 5 categories, the everyday purchases will go on citi card 2 better than 1. That is what Ive done so far to try and invest money. I also have about 10k for emergency fund set up too.Now, I want to know if there is anything else I can do with my money. Im obviously focusing on eliminating my loans now, but going forward, I wanted to know what other investments I can make. I dont want to rely solely on my savings. Should I look into an IRA or Roth IRA? Index funds? Life insurance? I guess I feel like I want to do more investing than the 1 I get from savings, and a 401k where I wont see the money for a long time. Just looking to do more while I am single, have a good job, and dont have expenses at the moment. Any advice would be greatly appreciated!!  <response>: Put most - but not all - of the extra into debt repayment. Obviously get match money in the 401k, but you should also open up and max a Roth IRA. If you happen to have a high-deductible health plan, you should max your HSA as well.With your high income, youll likely end up with few options for tax hedging while distributing in the future. Add to those options while you can.You wont get much out of a traditional IRA. Your income is too high.P.S: you and every other pharmacist you know are going to have lots of people Northwestern Mutual and others that will seek you out, looking to handle your money. Theyre selling you things you dont need. Steer clear. 