<prompt> Human: Hi All. Im 31, and have never really looked in to any sort of money management or investing before. For the past 12 years Ive just been dumping all of my paychecks into a checkingsavings account, and am realizing this is just a bad idea and I need to actually do something with it. A little background - I have no CCloan debt, 70,000 between savings and checking, 65,000 in a 401K currently inactive as my employer does not match, and 15,000 in a Wealthfront account my first attempt and doing any sort of investingMy monthly expenses come out to around 3000, which leaves me about 3000 left over every month. Right now it just stays in savings. What can I do with this? I put some in Wealthfront up 2 in 2 month, but I feel like there are better options. I was also thinking of maxing out contributions to a Roth IRA going forward.Thoughts? Suggestions? Advice? Thanks!  <response>: The fact your employer doesnt match isnt a reason to abandon the 401K. Pretax contributions now means less paid in taxes today. Sounds like you have plenty of free cash so 401K is something to consider too 