<prompt> Human: I own a startup and pay myself okay 75k, I took on some side consulting for a personal boost and grossed 12k, putting away 15 for taxes obviously.No debt, no children, no wife, no mortgage.My emergency fund is flush 10k and Ive contributed to but not maxed out my IRA. Ive used a bit of the initial deposit for fun money I love to spend money on books but am looking for advice from other people on what I should do next - Vanguard LifeStrategy? CD account? Do something riskier with it? Maybe put it towards a down payment for a house the market Im in was perfect two years ago, its now too crazy, but Im not opposed to the idea of valuable tangible assets?Ive read a lot of the topics and threads here so Im not alien, but I did want to see what other ideas people might have that are well versed.  <response>: Max out your IRA. 