<prompt> Human: Im a single guy in my late 20s. Ive grown up pretty modestly and am not a big spender. I am naturally frugal and am currently making in excess of 100k a year. Over the past year, Ive saved up roughly 50k I have no debts and I forsee myself having a similar excess of cash for the next couple of years.Can anyone point me to how I can invest or manage my excess income? Thank you! :  <response>: If youre not contributing toward retirement and dont need access to the funds for 40 years, that would be the way to go. 