<prompt> Human: To begin, I work as a Software Engineer with a company everyone here has heard of. Pays just over six figures, full benefits and 4 401k matching. Low CoL area800-1,200 rent, but I currently live with my parents and its only a 30 minute commute. I have a car fully paid off 2015 Honda Accord, no debts, about 15k saved up. Things I plan on doing: Maxing 401k contributions 18.5k yr? Maxing HSA not sure amount yet Putting 5.5k to a Roth IRA account every year Playing with 5-7k in numerous financials marketsOther than that I really dont have anything else to do. Im pretty good in terms of spending habits, my current expenses are only about 500-700 a month on the high end for EVERYTHING food, gas, gym, activities, bills. What do I do with the rest of the money that comes in? Just let up build up in a saving account? Try to buy some houses in the area? I do want to travel, and I have a decent vacation package so Ill be spend some money there.I dont know exactly non general things to, Ive looked at resources and info graphs here but I would love some book recommendations as well!Assistant: At your age, Id research the HSA a little more. You likely have little to no medical expenses.Human: Good point, I havent had insurance for the last 10 years poor growing up, Im generally healthy though. I wanted to max it out because I hear people talk about tax benefits and I can afford it now. I do care about my health so I do want to get everything checked up that I havent been able to in the last decade. Same applies to my dental health. Im willing to spend whatever it costs to get EVERYTHING checked out in the next few months, then not worry about it so much and coast by the next couple of years. Is HSA the best way to go for my case then?  <response>: If you have low expenses you should still definitely be maxing it. Triple tax advantaged and you can use it for healthcare expenses down the line. 