<prompt> Human: Some background facts:Annual salary of 80K base plus incentives typically 5 or so, but I havent been with the company long enough to know firsthand. Im a 30 year old guy, no debt student loans paid as of 12 months ago or so. My car is paid for, and I dont own a house more on this in a bit. I carry a couple of credit cards, use them to pay groceries, and then pay off the balance. Im maxing my per-paycheck contribution to my HSA and contributing to my 401. Which, incidentally, is in an aggressive growth category. Savings are 8,000, so a bit below the emergency threshold that people here really value. Monthly bills are 1400, so Im banking about 2000 a month. So do I just basically dump the rest into investments? Im honestly not sure what to do at this point. Im renting right now, but its a calculated decision. Im not sure I want to stay in the area Im in now geographically, and its very possible I will move at some point in the next 12-18 months. I dont want to be tied to a house until I can commit to the area for a chunk of time. I feel like there has to be a better option than just dumping everything into various savingsretirement savingsinvestment accounts...right? And yeah, Ill be dumping money into my savings fund to get that a bit more robust for sure. But other than that, Im a bit stumped on what to do.  <response>: rather than ask yourself, what do you do with your money, ask yourself instead, what are my financial and life goals from here?do you want to travel? paying cash for an awesome vacation, especially if you have someone to share it with, is an opportunity you shouldnt miss.why not save for the house? sure, you arent in the market to buy now, but what if you could put away, say, 30k or 40k in the next two or three years? that makes for a pretty big down payment, which is always a positive easier terms, lower interest, less debt, more flexibility in choosing a lender, all that.do you have any interest in pursuing a graduate degree? they can be expensive, but you could now save up so you can pay cash, or go to school again and come out with significantly less debt.do you have a romantic partner? without actually making a commitment to follow through today, you could start saving for an eventual wedding, if thats your dream.do you have or want kids? theyll need money, and you can save for their needs even before they appear. and if you never have them, you could always repurpose the money you save.do you want to retire at 50 and spend the rest of your life whatevering? thatll take a significant amount of cash, if youre of good health and might live another 50 years on top of that.money is a means to an end, not an end in itself. so figure out what the end is, and then go for that. you dont have to decide immediately; if you dont, go for some shorter-term, more liquid investments so you dont get eaten by inflation, but that allow you flexibility to quickly move to a new orientation what you decide what you want to do with your life. 