<prompt> Human: The basics,About to hit the big 30, and singleCurrent income 44kCredit score mid to high 700sDebt0Car Paid for with about 75k milesEmergency fund 10k403b a work 1,800Roth with cds 2.7 11kCDs earning 2.7-3 16kcash in savings 5kI know I am in a decent spot , but I really want to take things to the next level in terms of setting myself up for long term Financial success. Since I will not be vested in my companies retirement plan until the end of 2015 I am taking advantage of their 403b plan, which is currently earning a fixed 5 until july of 2014, they change the percentage they pay out every 6 months. Once I become vested in retirement 112016 I will be required to contribute 3 to retirement and my company will kick in 9. I am looking to go career with this company at this point if possible. Right now I am thinking that I might want to be a little more aggressive with my retirement. I am considering switching my roth to a vanguard total market fund when I add my 5.5k this year. I am also thinking about trying to max out my 403b by paying myself out of my emergency fund savings while contributing 100 to my 403b in order to max it out and get as much money as possible from interest. I would then use the 16k have in low interest CDs as my emergency fund in the event that I needed money for an unseen expense. I will keep paying myself each pay period to and as i move down the road I will look into alternative investment options. I am not planning to by a home in the next 5 years as will most likely be inherting one, not to mention homes in m current location are just way to overpriced for someone in my income bracket. Thoughts, feedback, advice?  <response>: you def should stop investing in cds in your roth, you are young and need more risk...invest in a target fund 2050 or 2055 