<prompt> Human: Brief summary:38 years old, live with fiance she owns home, 42k income, expenses are pretty low car lease, regular bills, etc... really only totals about half of my income. Did not have any retirement savings, had some debt, then the below happened...Came into some money, approx 150,000. Did the following:Paid off all of my debt 57k in student loans, 7k personal loan as even with low interest rates I feel like the debt had an emotional impact on me so I wanted it gone.Opened a Vanguard account and deposited 11,000 this years and last years max into a Roth IRA and used the funds to purchase a Vanguard Target Date 2045 Fund.Set up my 401k payroll contribution through my employer for 5 of my income approx 160 per month as thats the max to benefit from their match 100 on first 3, 50 on next 2.Put 7000 6 months of expenses into an emergency fund ally online savings.So that leaves me with approx 68k to decide how to allocate. I know that the 401k max is 18k, so I am considering dumping 18k into that. I have an HSA that I currently dont contribute to so I am also considering utilizing that.Any ideas for how to allocate these funds would be greatly appreciated.Thank you  <response>: Sounds like you are pretty far behind on retirement savings, so maxing the 401k is a good idea, even if your tax rate is not super high. Youll benefit from tax-deferred growth. You can replace the income deducted by tapping your savings if you need to. Otherwise you can set up a taxable investment account to soak up some of that money. You could also buy reddit gold for 15,000 of your closest friends. 