<prompt> Human: Id like to set aside maybe 400 a month for stupid purchases, like food, and put the rest into some retirement account. I have no idea where to get started doing this. I already max out my companies 401k, so Im not sure where to go next. Im not big into investing really, so any tips would help. Right now I have about 60k just sitting in my bank account doing nothing but emitting this foul whining noise, that sounds a lot like its saying spend me.  <response>: Edit...do you have an IRA?If youve already maxed out tax advantaged space then its time to open a taxable account. There are a number of tax efficient funds vanguard total stock and total international stock funds, fir example that fit nicely into taxable accounts, as do tax exempt municipal bonds. 