<prompt> Human: 23 year old living at home Southern California area trying to figure out what to do with my remaining 40K in savings account. Info:- 65K annual income pre-tax- No student loan debt - 400 month car payment 2 with 16K payoff- No living expenses living with parents for next year and a halfCurrent investments in order of importance:- Firm I work for matches 25 up to 4,000 in 401K. I currently contribute 4,000yr, giving me the 1,000 match. However, 401k offering has a high expense ratio of .98- Max out Roth IRA through vanguard.- 7,000 worth of gold and silver Two questions:1 Should I max out my 401k with my company? I have been hesitant as the company we use has a high expense ratio of .982 What should I do with the 40K in my savings account? Its sitting there getting almost no interest. Cheers reddit.  <response>: First, I would say that you dont have 40k in savings. I would say that you have an emergency fund and savings.The first step I would suggest is carving out your emergency fun for 3 months salary. I would estimate 12k for you. Put that in a high yield savings account and use it for spikes in expenses such as when you eventually move out.Then the remaining 28k is tricky. Are you saving up to buy a house in the next 5 years and want to use this as a downpayment? Then you want it somewhere that market volatility doesnt matter like a high yield savings account.Do you want to save for retirement? Then put the max that you can into a Roth IRA and put the rest into well diversified ETFs or something else that youll just let grow for the next 40 years. 