<prompt> Human: Im 27, currently making 62k, will be getting a raise to 74k in a week, and a raise to 90k in one year. Earlier this year I finished paying off my student loans, so I have zero debt. I maxed out the 5k Roth IRA contribution over the summer and have now been aggressively increasing my regular 401k contribution over the year am now contributing 50 of my paycheck to get close to the 17k max for the year will probably only get to about 15k.At this rate, I know Im going to have a lot of extra cash next year, as I will be able to quickly max out my Roth IRA and will have plenty leftover after my regular 401k contributions that will allow me to reach the 17k max at years end.What to do with all this extra cash? I feel like just having it sit in my ING savings account would be a waste. Thinking about looking into some Vanguard accounts that will hopefully provide aggressive growth while allowing me liquidity so I can access that cash should I need it in the future probably for a house or something, but that wont be for several years. Any advice on specific funds of vehicles?Sidenote: With my 401k, I have the option of getting either regular contributions or Roth contributions. Based on my income and earning potential, which should I opt for? Right now Im splitting it 5050.  <response>: arichi covered it well, but I want to emphasize something. Thinking about looking into some Vanguard accounts that will hopefully provide aggressive growth while allowing me liquidity so I can access that cash should I need it in the futureThese two things conflict with one another. If you invest in aggressive investments, then the money is no longer cash, or anything close to it. It is going to be stock shares that fluctuate wildly in price. If you put in 5000, a few months later it might be 4000 or if the sky falls 2000. You wont want to withdraw it because youd take a huge loss that youd never be able to recover from with that specific batch of money. So you have to either decide to keep the money invested for the long term--and then you can invest aggressively--or keep it in more conservative investments mostly bonds if you want the flexibility to cash out at some arbitrary point in time without taking a big loss. 