<prompt> Human: A few basic facts - early 30s, single. HHI is roughly 70,000yr. Max out my 401k and Roth every year. Emergency funds at 20,000. Could easily live on this for one year. Ive been very fortunate with my fiscal situation and have also begun receiving gift funds from an elderly relative who is quite secure in her situation.I dont have a HSA and dont intend to start one as HDHP insurance is not a wise choice given that I participate in sports and have some chronic injuries as well as some other serious ones in the past several years. No kids and no plans, so a 529 account isnt at the top of my list. My state schools are also not so great so it isnt an optimal fit. No plans to buy a house since I need to be mobile.Only debt is 4500 auto loan at 1.49, so not a real priority. Ill pay it off within 18 months of the minimum payments. I guess I could pay this off but the rate is so low...Where else can I park my money besides in taxable accounts and Vanguard funds? I plan to start a Ph.D in a year so that will decrease my income, and there will be moving costs. But I expect emergency funds will be greater by then.  <response>: Well, you can always put it in a brokerage to do taxable investing if you really dont like having the extra money sitting around. 