<prompt> Human: First off I realize this is much less serious than most the posts here, but would still appreciate advice. I am going from a grad student salary to 125k a year. I have no debts. I intend on doing my 401k up to their match and maxing out my roth ira annually, but what do I do with the rest? I feel if I dont have a plan Im just going to blow the money on stupid stuff. Im not much for playing the stock market. What are my other set it and forget it options that I wont be tempted to blow on skymall?  <response>: With no debt, Id max out all retirement options. Then, what are your other goalsdreams? House? Family? Early retirement? Exotic travel? Balance spending your values now, and saving for future goals. 