<prompt> Human: Long time reader, first time posterI am 25, I only make about 70k a yearmy 401k is maxed at cap 16.5k per yearmy roth is maxed at 5k per year I am also a landlord, I have two rental in different cityhouse 1purchased 55k recent MLS listing in area w comparable size 110khouse 2purchased 80k recent MLS listing in area w comparable size 137khouse 3 bought for 100k, recent listing was 110kwe wont count, because I live heremy roth and 401k are appropriately allocated for my age alreadya combined of 40k allocated 90 stock, 10 bond with respect to stock in roth and bond in 401k for maximizing tax efficiency or trying to as much as possible I budget OK, and net about 3k after all my mortgages, bills, entertainment, food, insurance, taxes have been paidso now the question is... what do I do ?Ive been pushing 3k into my optionhouse brokage account, and purchasing SP. Is this the end ? Just keep purchasing indexes ?I have really no foreseeable future plans... besides the obvious marriage in 7 - 10 years? and procreate... but cant really do college savings for my non existent kids edit : Sorry I forgot to mention I have no debt, besides mortgages which are locked 3.5 4 for 30 years , Thus I am in no hurry to pay this off. I know I can generate better returns elsewhere  <response>: lol only makes 70K. 