<prompt> Human: A little bit of background first. I was 60,000 in debt 3 years ago from student loans and moved back in with my parents. I got a job that paid decently 40k and made every penny count. Now here I am sitting on more money in a standard savings account than I probably should. I want to buy a home eventually, but am hoping to move within the next 2 years so I cant really act on that now- though Id like to have the down payment set aside. I have no retirement thing Im 30. Thats right. No thing at all. My expenses are still pretty close to zero because my parents are awesome and tolerate people. Im starting to spend more on stupid shit because... well, wtf am I supposed to do with all this money ?  <response>: Build up your retirement accounts fast and hard. You are behind.Rule of thumb is that you should have 1x salary in retirement accounts at age 30, 2x at age 35.If you apply the discipline to your retirement accounts that you did to your student loans, you will be on track in just a few years.Then save up more for house down payment.Good luck. 