<prompt> Human: Forgive the throwaway -- I dont want to associate information about my finances with my regular account.So: Several years ago, Id slowly worked my way up to a pretty solid income - about 50kyr. I lost my job to downsizing during the worst months of the recession, and spent the next three years working odd jobs, hourly seasonal... whatever I could find, but it all amounted to less than 15kyr. I dramatically downsized my life, and between what I brought in and my wifes part-time income, we made it work.In the spring I started a new job - great company, the most amazing boss Ive ever had, and thriving in the market. I was hired into what was basically a secretarial position. It was completely out of my field, but I had a great interview with the owner and basically said plainly that I didnt have experience but believed myself fully capable of learning and harder working than anyone else hed find. He offered me 30k and benefits starting immediately. I could have kissed him.Long story short too late!: I worked my ass off, and caught the attention of someone in sales. He asked for more and more of my time until they hired a new clerk, they offered me an official sales position, and my salary got bumped to 60k. My first quarter, I sold my ass off and they decided that Id produced at least as much as their more experienced sales staff, and gave me another bump. Depending on how well we perform for quarterly bonuses, Im on track to make over 100k in the next 12 months. The idea is still making my head spin.---The above explanation is long-winded. I promise its not meant to be a tangent: Im trying to give you all an idea of how Im coming to this situation, where my head is at. Im very, very grateful for basically hitting the jackpot on a job. I am trying to be humble about it, and recognize that finding an employer that treats their employees this well is one in a million. At the same time, Im proud of what Ive accomplished -- after years of working 70 and 80 hour weeks of whatever I could put together, it feels really, really good to see my work actually improving my familys life.In the long run, I worry about that pride getting in the way of financial stability. I wasnt terribly responsible with my money before the recession: I avoided my job loss with a minimum of new debt, but just making ends meet for a few years made me think about all the little ways Id wasted what could have kept me afloat. If I get used to making this money without having a solid plan, Im afraid Ill do it again on a grander scale.So what do I do? My thought for the moment is to open a separate bank account. We already have a shared account for bills, so the monthly amount needed for those is diverted from direct deposit. It always carries a small balance in case of small homeauto repairs. Id put her and myself on an allowance from direct deposit as well, so that we have pocket money, cash for gas and groceries, and occasionally eating out. The difference will go into the new account, so that I dont see it every time I go to an ATM.I dont know what to do with it from there. Open an IRA? I already maxed my 401k, but I could save more of it. Invest? Financial planner?The biggest thing is that I need to automate it. I can think rationally about money when I sit down and make a concerted effort, but its all to easy to let discretionary spending creep up day-to-day. I want to plug that hole before it becomes a flood.What to do?TL;DR - Basically, the title.  <response>: Max out a Roth IRA 5k. You have until next April to do so for the 2012 calendar year.You can talk to a financial planner if you want, but IMO, personal finance is like dieting; we all know what we should do save, spend less than we earn, etc but it may not be easy to do it. 