<prompt> Human: I own a home and two cars. No investments to speak of. I have 15k in a rainy day savings account. I feel like Ive been barely treading water paying off a home for so long I never gave any thought to the future. What are my next steps?  <response>: Cant help much, but ik when I reach that point Im starting by doing this:Ed: sorry, was first thought upon Reading, had to.. xD 