<prompt> Human: I suppose I should ask for some advice on what I could or should be doing with my money. Im fairly young so a lot of this financial stuff has thrown me through a loop. -I currently make 45,000 a year and I contribute 5 of my bi-weekly paycheck to a pre-tax 401k that my employer matches.-I contribute 1 of my bi-weekly paycheck to an employee stock purchasing program that has an almost garunteed return rate.-I put 30 into a health savings account bi-weekly.-I usually put 200 to 300 in my emergency savings bi-weekly -I have about 3000 in my emergency savings I do believe the term for this is liquid?-I have 15,000 in my checking account Oddly enough, the green checking offers higher returns than my savings at .10 -I have absolutely no debts aside from a credit card I automatically pay off at the end of the month. -I own a vehicle that should last a few more years.-I travel a lot for my current job so I only spend about 30 a month in gas.-I still live with my parents so I pay no rentmortgage.-I have about 500 with of BitcoinI usually have about 1000 left over from each bi-weekly payday so my wealth is growing rappidly. As I earn more and more, I worry about not managing this amount of money effeciently. Im not sure if there is anything else that I should be putting my money in, or maybe investing it somewhere? Another thing that has been troubling me is getting my own place. I dont necessarily need to move into my own place because Im only home a few days out of the week, but I feel like this may also be wasting money because I could be putting it towards a mortgage. Ive also considered renting but I think it would be pointless since I am traveling and will rarely have the opportunity to enjoy home, so Im looking for more of an investment 10 to 15 year mortgage on a condosmaller home that I could rent out later?What would you do if you were in my shoes? Ive tried to follow advice given in this subreddit religiously, but I feel like there is a lot that I am missing.  <response>: Assuming your parents are comfortable with you living rent free, Id invest the maximum into an IRA 5,500yr then 401k 17,500. BUT, always get employer match though, ALWAYS. So,Match IRA 401kIn that order. 