<prompt> Human: Ok, so I just got a great job. It pays 75k a year. I assume I want to pay as much into my 401k as they will match. Other than that, what smart things should I start doing now to maximize my future wealth. I am 25. Edit: I have no debt at all!  <response>: Live within your means. Just because you have a good salary doesnt mean you should buy a brand new car or other expensive things you dont need. Investing young is extremely important to maximizing your future wealth. The more you save now, the more youll have later. After contributing to your 401K up to company match, try to max out contributions to a Roth IRA. You can only contribute 5,500year, and after you make more than 112K, the maximum contribution decreases up to 125K though there is a backdoor. Since youre already making 75K out of college, its probably safe to assume you will hit these limits. So, put the money in while you can. Also, since its after-tax dollars, you can withdraw the contributions but not the gains at any time if needed but leave them in if possible. 