<prompt> Human: As stated in the title, I am 30 years old and just finished college and got a good job. I am planning to max out my 401k 6 of my paycheck, but I can also choose to invest up to 90 of my paycheck into a Vanguard Target Retirement 2050 Roth IRA Fund. I want to save as much as possible I dont spend very much money, so what is a good strategy here?P.S. I also owe student loans and am interested to know what a good repayment strategy is: Is it better to pay it off as soon as possible? Or am I better of investing some, and paying if off slowly? Here are pictures from my studentaid.ed.gov.  <response>: Some clarification on terms here:I am planning to max out my 401k 6 of my paycheckMaxing out your 401k means contributing 18,500 for 2018. You are getting the maximum match from your employer.but I can also choose to invest up to 90 of my paycheck into a Vanguard Target Retirement 2050 Roth IRA FundAn IRA has a contribution limit of 5500 per year.Since youre saying up to 90 of my paycheck, it sounds like you mean a Roth 401k, offered through your employer.Also, Target 2050 is an ETF available to either traditional or Roth accounts. 