<prompt> Human: Like the title said, I have no real expenses living at home for at least the next couple years. I am 21 years old. Also already plan on creating an IRA and 401k for retirement purposes.What are some other smart investment choices I can make? Or even useful things I can buy since I am in a good spot.  <response>: Believe it or not, this is a very common question in this sub. Follow the steps in How to handle in the sidebar to figure out how to prioritize. 