<prompt> Human: Over a year ago I posted asking for advice on which credit card debt to pay off first. Now, all my debt is gone. My emergency fund is setup for a healthy 6-month budget. My ROTH contributions are maxed. I still have excess income every month and Im wondering what I should do with it? Thanks again PF!edit Sorry, forgot to mention goals. Car is somewhat new under 5 years old. I would most likely be looking for a home purchase but that may require a life change as I live in a very expensive market southern California coast. Where is the best place to keep money for a down payment to help it grow besides a savings account?  <response>: If youre planning on stashing away your retirement funds ASAP, then the next step would probably be to max your 401k assuming you have some decent fund options.If not, then opening a taxable investment account containing low-cost index funds may be a good choice. 