<prompt> Human: Im 23 years old, currently making 65K pre taxes. No debt, car paid off and student loans. Expenses are around 1200 a month including rent.I have around 15,000 in my emergency fund held in Ally bank. My 401K is set at 10 of my pay, with 6 match. I have also maxed out my Roth IRA at 5500, invested in a retirement fund 2055.I want to know what I should do with either my excess pay next year or my excess emergency fund savings this year? I was considering opening up a taxed investment account at Vanguard with about 4000 of my emergency fund and investing largely in muni bonds and a low risk ETF and keeping it fairly liquid. Any other ideas on potential investments? I would like to save up for a down payment for a condohouse in 4-6 years.Thanks for the help!  <response>: The AutoMod posted some links. What are your goals? What do you need to do to meet those goals? 