<prompt> Human: Hi there! I am a 26 year old male that, like the title says, has a lot of disposable income. Id like some advice on the best way to utilize it. I read the I have X, what do I do with it thread and I seem to be a little outside of it. Heres a breakdown: - I make about 100k a year at my main job. - I make 1k to 3k per month at my side job, most of which is legally tax-free. - My house is mortgaged at 1500mo for 30 years through FHA. When my credit will allow it, Ill refinance for 15 years, drop the PMI, and continue on. Dont have the credit historyincome history for that just yet though. I have only made 2 payments on this house so far and can probably refinance after filing taxes next year. - Im financing a car for 600mo. I pay 100mo extra on it, and my company pays me 400mo for it. I have 3.5 years left on the loan. - Besides the car and house, I have no debt. I use credit cards for all of my purchases and pay them in full every single month. - Im single, have no kids, have no health issues, and no reason to maintain a large amount of cash on hand other than to deal with the usual ridiculousness that life likes to throw at folks.- Im maxing out my companys 401k match. So, Im wondering how I can best use my additional income. I enjoy fun purchases like games and going out with friends, but now that Ive bought my house and tons of new furniture, the extra money is just piling up again and Id rather put it to good use. Ive been extensively educated on day trading and swing trading but the market sucks right now. Ive made quite a bit of money in the past at it but havent been able to really get anywhere in the past year or so. tl;dr lots of income, only debt is housecar. what do?  <response>: I read the I have X, what do I do with it thread and I seem to be a little outside of it.Youre not. 