<prompt> Human: So I am 29. Make 70k a year, rent a place that is 1 mile from work. Own car which is 16 years old but in great shape, motorcycle, and boat.. all outright. I put 25 of my income into retirement: 5500 per year in Roth, 15 into 401 2 employer. Total I have 18k in 401 and 16k in roth... I started late because I was getting a masters. I have 70k in a bank account doing nothing. Saving between 1-1500 each month. Idk if I will stay in this small town or move, I pay 650 a month in rent. Houses sell for 130k for something nice around here, average household income is 28k.Plans: buy a 28k boat next year, sell current boat for 9k. Repaint car for 1k and replace engine when it dies. Jeep Cherokees are known for longevity so I see it being awhile before I worry about that. I may want kids but not until I travel the world a bit, probably around age 35.What should I do? Contribute more to 401k? Should I invest some of the 70k?  <response>: I dont know any good reason to have 70k in a savings account unless you are saving up for a massive house down payment.Really, though, there are no problems with your current situation that need fixing. You are fine to leave everything like it is. 