<prompt> Human: I make 70,000 a year but only spend about 55,000. Some additional notes: 0 outstanding debt and should not incur any soon. I have a 9-month emergency fund. I held my job for slightly over a year it is stable I have 0.00 outstanding debt and should not be incurring any soon. I want to capitalize on this moment of opportunity and set myself up for a successful future. Edit1: To address some questions that came up; I work for a company handling institutional real estate acquisitions in the NY Metro area. My assets include a 850 SF 1-bedroom condo in Northern New Jersey as well as a 2012 Infiniti G37 both debt-free. Lastly, I budget 10,000year for enjoyment: 3,000 for vacations, 4,000 for eating out, 3,000 miscellaneous. I understand I must enjoy the moment and do not plan on changing my life-style at this point of success in my life.  <response>: Dont forget to enjoy the present. There are things you can do in your thirties that you may not be able to do in your sixties. 