<prompt> Human: Hi everyone,Im a religious reader of this sub for my personal finance needs, and Ive finally got a situation where I can use some help. I got a job offer today that gives me a significant raise, from roughly 44kyear to 55kyear. All of my bills will remain the same, so what is the best way to maximize these new earnings? The company has a 5 401k match, so I will certainly maximize that. I have a savings account wth roughly 30k in it, saving for a down payment, and a mutual fund Vanguard STAR with around 5,500. I am looking to buy a home in the next 6-8 months. Would it be smarter to maximize my savings account for an increase on the down payment, start investing more into the mutual fund, or put more into a 401k? Is there a percentage of each I should split this extra money across?Side Note: My commute has increased about 15 minutes to a 40 mile, 45 minute round trip. I drive a Ford Escape that gets 20 mpg combined. I can sell it or trade it in and get something like a Camry or Civic for little to nothing, and maximize the mpg on the longer drive to save on gas. Would that be worth looking into? Or not worth the trouble?Thanks everyone! Looking forward to the advice.  <response>: Whats your budget for a house? That will inform how much more you need to save as cash vs 401k.What Id do is first is maximize the match as you planned, then budget to put 5500 in a Roth IRA, after that split the remaining excess between your house fund and 401k. I wouldnt bother with the car unless its been giving you increased mechanical issues. 