<prompt> Human: I roughly estimated my income will be distributed as: Tax 12720 401k 13000-18000 depending of companys match IRA 5500 rentinternetphone 11580 foodclothes 3600-7200 Ill probably end up eating out most of the times, so 7200 is more accurate savings as of right now 5000 10000-15000 leftSo what do I do with it, index funds is the only things I could come up with right now.Also, I have about 500 deducted to Safe Harbor at my old job. What sort of retirement account is that? Should I mergetransfer it?Thanks  <response>: FYI, you can contribute 18k yourself to the 401k, regardless of employer match the combined company and personal limit is 53k.Safe Harbor is your 401k, just a mandatory contribution helps your company comply with some 401k regulations.Index funds in a taxable account are perfectly reasonable. If youre looking to buy a house, car, etc., you can also add to a savings account or CD. 