<prompt> Human: Throw away for privacy concerns. Im 25 years old, before tax Ill be making about 250k this year. Right now I have about 70k in liquid assets saved up, majority of which is invested in sp500 index funds. Also about 12k in my 401k. Ill be contributing 10 from my base salary 130k to my 401k from here on out which receives a 50 match which will put me at about a 20k contribution for the year. Only significant expenses are really foodcarrent which are about 400500800 respectively. Car payment is financed for 36mo0 and will be paid off in a little under a year and a house.Ideally Id like to purchase a house, unfortunately I live in the bay area which means it will still be a couple years before I can save up a reasonable down payment currently expecting to have to pay in the 1.25mil range for something decent.So any advice on how to put any extra money to work, while keeping it fairly liquid-able would be much appreciated.  <response>: Dont reflexively but a house. Youre young, and things can change. Just rent for a few years and scope things out. If you buy a house but then end up selling without owning it for several years, you will almost certainly lose money on it compared to how you could have invested the money instead. 