<prompt> Human: Backgroumd: 30 yo male in NYC with a salary of 235k plus bonus of about 50k. I have 190k in savings account, and 65k in 401k. I save about 8k a month into savings account. But I plan downpaying about 200k for an apartment later in 2017. Should I be investing max in Roth IRA or saving more towards the downpayment and emergency fund? What else should I be doing?  <response>: You are way above the limit to contribute to a Roth, bittersweet news I know. The Roth can only be used up to like 118k for a single person. Also, let me know if your company is hiring please. 