<prompt> Human: I already have a sizable chunk of money in a 401k and Roth IRA and should be done paying off student loans by the end of the year. Im just about to send in the paperwork on a long-term disability policy. I plan to buy a house by the time Im 40, but theres no rush. I have two little nephews, one of whom is special-needs.Is there anything else I can do right now, given my situation? I have absolutely no desire for children and dont feel at all right now like Id want to get married - serial monogamy is more my style. Is there anything unique to my status that I should pay attention to when planning for my future?  <response>: Make sure you are planning for the costs of nursing home care. Its insanely expensive. Try to stay in good health, as much as you can, thats really the best way to max out your money, other than just socking it away. 