<prompt> Human: Hi friends, I would love some advice before the new year begins. I started my first job in July and finally have some real numbers in my accounts. Current Im sitting with N thousand in my checking, N thousand in my savingsemergency fund, and, by the end of the year, 2N in a high interest 0.9 savings account. I am currently putting in 10 pre-tax of every pay check 60k into my 401k company is matchin at 4 but even that wont get me to the annual limit 18,00?. No current debts or loans to deal with other than monthly bills and whatnot. My current system is to move money every month or so from checking to high interest saving as long as my checking stays at N. But Im pretty sure I need to start moving money from high interest savings into something better. Im guessing your first advice will be an IRA Roth?. Do you have a company you would suggest opening one with? Other than an IRA, are there any short term options I can explore? By short term, I mean a way to grow quicker than 0.9 but I can use it for midlife things car, house, etc. Basically I am wondering if there is something mroe I can do to grow in the next 5-15 years. My biggest difficulty, after deciding what to do, is choosing a company to give my money to, so please feel free to suggest your company of choice along side any suggestions you have : Thank you friends and have a wonderful holiday  <response>: Youve made some fantastic assumptions in your post even if you are a bit uneducated on the details here. Definitely check out our FAQ articles. Contributing 4 of your income to your 401k is definitely the priority for you, which you are already doing. After that, you want to invest in either an IRA or through additional contributions to your 401k, wherever you can get access to funds with the lowest expense ratios. For most people, their 401k is very limited in terms of fund options, and they may have high expense ratios. For that reason, the normal advice is to invest in an IRA before increasing your 401k contributions above 4 of your income. Vanguard and Schwab have funds with extremely low expense ratios. I use vanguard and am extremely happy. It sounds like you might want to be saving a bit more than 4 of your income in your 401k plus 5,500 in an IRA, so you would then increase your 401k contributions anyways, up to the 10 you are contributing now, or even more.Alternatively your 401k may have great fund options, and Vanguard might not be able to beat them. In that case, you could entirely max out your 401k before moving into the IRA.See the FAQ for info on Roth vs Traditional IRAs, and for help choosing the right funds within 401ks and IRAs. 