<prompt> Human: I am making this post from a throwaway account for my privacy.I recently took a new job which has raised my salary from 110k to 175k. What is the best way to put this additional money to work?Some background: other than a 150k mortgage at 3.3 fixed, I dont hold any other debt. I always max out my 401k and I plan on continuing to do so until retirement. I am 33 with around 400k in stocksmutual funds and an additional 155k in my 401k. I realize the 400k seems strange, but I ended up getting lucky and I made some good investments in my early 20s but those opportunities have long since past.At this point..are there any advantages to putting money in my 401k after the 18k? Do I just continue to buy mutual fundsstocks? Should I diversify and try to be creative..like start a small business? I am hesitant to pay off the mortgage because it seems like cheap debt. I am ok taking some risk if it is logical. This new job is flexible so I can spend some time on making this money grow.Assistant: dont pay off the mortgage immediately, max your HSA, do a backdoor roth ira, invest in yourself, maybe get a second house and rent it out to someone else for mortgage interest deduction, use taxable accounts after you max your retirement options.Yes, continue to put money into it after the 18.5k, also do your roth IRA.Another big tax break is the solar panel thing, you can get .33 percent off as a deduction now, and it lasts till 2019 and it starts scaling back after that. You can finance part of it and between the tax break, the decrease in power bill, and additional cash flow, it can be a pretty sweet deal.Human: Ah, thank you. I thought I would not be able to do a Roth, though? I thought the income limit was 135k?  <response>: The 5.5 is chump change relative to your income but still worthwhile. 