<prompt> Human: Hi everyone, I consider myself pretty financially savvy but I havent seen a ton of discussion for people in my circumstances so I was just hoping to get some thoughts on my situation.I am fortunate to have a stable job with a great growing company that pays 180,000year. I am 30 years old, single, debt free, contributing 12 of pretax earnings to my 401k 6 match and my only fixed cost is living expenses rentliving related stuff at about 1400month. I currently have 100K in my 401K, 30K in various stocksfunds, and another 30K cash in my savings account. I understand that purchasing property would be the logical move to offset my income but I simply do not have the down payment to even consider buying something in an area I would like to San Francisco and baring some windfall, it seems to be years away. I am really lucky to have worked my way into a situation where I am financially secure and I am totally okay just continuing to save money, but I am certain I am not doing everything I can to be financially efficient. My question to the community would be, what other things should I be doingconsidering given my financial situation.Thanks so much for the help!  <response>: If your cost of living is 1400 per month and your monthly income is 15k pre-tax where is the rest of your money going? Without knowing more it is hard for us to suggest a plan 