<prompt> Human: Ive been putting 15 into my Fidelity 401k all year and Im at the point where Im about to hit the 18k limit. Im above the income limit to contribute to a Roth IRA, so Im curious if there are any other options that rpersonalfinance might recommend? My emergency fund is all set so I have that box checked as well. Are there any other no-brainers that Im missing? Should I just take the extra money beyond the 18k limit and continue to invest in the non-retirement account I have with Vanguard?Thanks for the help!Assistant: Im in a similar position that you are, though I do contribute more as a than you do to my 401k, it sounds like my salary is considerably lower, so I havent maxed it out. However, to answer your question, if you have no debt, have a nice emergency fund built up, maxed your roth IRA, maxed your 401k, I would then try to max out the annual limit on an HSA, which is 3,500. Itd be nice to have 15-25K in there just in case you have some large health emergency.EDIT - The 3500 limit applies if youre on an individual coverage plan; if youre on a family plan, its considerably higher.Human: Good point about the HSA. Ive maxed it out in previous years but didnt contribute much this year as I had enough to cover my deductible and then some. Next year Ill definitely start contributing more again.  <response>: It works exactly like an IRA if you dont spend everything, and like a super-IRA if you do. So its worth maxing every single year, theres really no downside other than potentially limited fund choices 