<prompt> Human: Im a web developer and have been working up the ladder for years, finally making 100k a year. Rent is 750 a month, usual phone bills and gym, food, etc. Where do I put this money and what should I do? When I was making 80k I found that I could still piss it away and have nothing to show for it. Any advice appreciated. Goals are traveling, retirement, and saving for the future I guess.  <response>: Just save 10 into an index fund of the SP, max out 401k and save another 10 in cash until you have 40k in savings a few years which is your emergency fund. Done . Go enjoy life and live off the 70k salary you now have. 