<prompt> Human: My 30 year mortgage including taxes and HOA is 800 a month. I pay 1000 a month just because it lowers the payment period down to 15 years. Due to the low rate, I dont want to go nuts paying off my condo. Counting employer match, 15 of my salary is being saved for retirement, which I think is adequate. Otherwise I am not a fancy man. My spending looks like this:Cable- 130elecgas- 80Car ins- 90Gas- 150Foodgrocery- 250entertainmentalcohol- 500Misc- 100So I got like 1600 in extra money a month. In my 20s and want to make some moves and become independently wealthy. What kind of investments should I be looking at? Stocks will be used in the short term, but I want to do something tanglible like invest in a local business or own a duplex. Any ideas?Assistant: entertainmentalcohol- 500 If your goal is to be financially independent sooner, lowering this amount will help.Human: This was more of a catch all category and an estimate. Restaurants, golfskiing, overnight outings, and weed eat up a good chunk of the 500 too. Assistant: Everything you spend puts you farther away from being financially independent. Im not suggesting you live in a van by the river, but balancing money in vs money out is the most fundamental determinant of wealth.Human: I am already financially independent bro. Not sure why you keep saying that. I have my own place and a job that leaves me with 1500 in excess money every month. Not to mention that I am socking away 760 a month in retirement and I am gaining 350 in equity in my home every month. My net worth grows by like 2,500 a month and you are saying I am not financially independent?  <response>: You are saving more than 90-something percent of the country. Also, 500mo for a catch-all category of restraurants, alcohol, weed, weekend trips, etc isnt much AT ALL, especially if you arent living in the sticks. Sometimes I think this sub is full of cloistered monks. You should have the correct balance of living your life and saving money, and it seems you are striking it.The first poster said all you need to know: once you have a 6-month emergency fund, and youve paid off bad debt eg. credit card debt, put the rest in a Roth IRA and forget about it. 