<prompt> Human: Hey all, Im really just looking for some solid and straight forward advice for my current situation, fully knowing that Ive only just scratched the surface of life as an adult.I currently work in a relatively stable position making around 100k a year, or approximately 2,300 after taxes every 2 weeks 26 paychecks in a calendar year with the possibility of a 15-30 bonus . I currently have around 80,000 in cash assets with another 50k in my 401k 10 contribution with 5 company match and about 2500 in my hsa. My expenses are roughly 1500mo. This includes a vehicle paymentleased rent, cell phone, utilities, etc. I definitely have my habits and spend additional income beyond the 1500 but I always manage to save at least 25 of my after tax savings in a high-yield savings account. Here are my questions for you guys:1. Should I be directing more of my income and cash holdings towards investments? I have a very conservative personality and havent done more than play with investments using a couple grand here and thereThe currently state of the market scares the crap out of me2. Am I contributing enough to my 401k? I do not currently max it out. HSA too? new thing for me but am interested in it heavily especially since I partake in high-risk physical activities often3. Should I buy a single family property opposed to renting? Part of me wants the freedom to move whenever I want Opportunities, etc the other part understands that I have a solid position at my company and family in the area. True question: If I buy a property, how easily could I sell it and at minimum break even, what about renting it with a management company? I know area factors in, just looking for generic advice perhaps4. What am I NOT considering in my youth and in this post?Edit - It might be fruitful to add the following: Retiring early and frequent travel are absolutely goals of mine...Thank you for taking the time :  <response>: 1. Yes, invest more. Youre currently investing 15 which is the recommended minimum to retire at 65, if youd like to retire earlier why not bump your contribution up from 10 to 15? Do you have kids? Invest in school funds for their college.2. See 1. HSA is a great choice in that you are able to use the money, tax free. Make sure youre health insurance plan allows for a HSA and shop around as they all have different fees.3. Buying a property is a great choice for the long term but you have to remember that youre going to be putting money into it to keep it working. If youre not handy and have no desire to learn how to fix things around the house then it can quickly become costly. Buying and selling to break even is difficult in a short time period. Many people who purchased homes 10 years ago are just now seeing their home values reach their purchase price, which does not even let them break even. When I purchased my home the closing costs were 3.5 of the sale price. When I go to sell Im going to have to pay 6 commission on the sale of the home, so I will have to sell my home for 10 more than what I purchased it for just to break even on the sale of the home, this does not include the repairsupgrades Ive put into the home and it does not include any costs the buyer may request when I purchased my home it was on condition the sellers remove mold in the attic which cost 3 of the sale price of the home. Remember that a lot of the repairsupgrades you do to a home will not increase its value but maintain it. Also, a lot of the repairs take a lot of time, Im currently re-caulking all my windows and its a pain in the ass, takes about 30-60 minutes per window, but only costs 4 per window. I will not see any return on my dozens of hours spent doing it but I will save the potential costs of mold in the walls and cheaper heatingcooling costs.4. Go on a vacation, find a hobby, enjoy life. You can earn all the money in the world but you cant take it with you when your time comes. Keep your emergency fund full, max out retirement, save for children, and enjoy the rest. 