<prompt> Human: Hi, PF. Throwaway here because of personal info.I received a promotion with a 30 bump in pay, significantly more than I was expecting. I have a good grasp on my finances but when I run the numbers now I am seeing a decent chunk of cash which is unaccounted for each month. Im seeking advice on some good ways to direct this leftover sum.The numbers: 90K per year, 25 yo, no debt, renting in a low COL area 15.3K per year maxes out my 401k 2,300 per year for healthvisiondentalBudget: Monthly take-home: 4,534mo Average monthly expenses: 2,200mo IRA contribution: 458.33mo Vacation fund: 150moThis leaves me around 1725mo to account for. Here are some thoughts I have on what I can do with this sum but Id really appreciate any feedback or additional ideas, I am entirely inexperienced and overwhelmed. Set aside some for a new car. Im deeply in love with my 2005 pontiac, in good shape but I know it wont last forever. Does it make financial sense to save up for a car when I know I can get a good loan? Start contributing to an HSA. I assume this means Id have to abandon my company health insurance. Im not sure if this is a wise move or not, I dont really know what I could expect to pay in premiums in the open market. Open a taxable account. I like index funds but I feel like I already have so much of my income locked up in investments. Maybe thats an emotional reaction, but what if I want to withdraw this money in 10 years? Does it make sense to hold shorter term bonds in a taxable account?Thank you! Ive been following PF for 3 years, yall are good people.  <response>: 15.3k per year doesnt max your 401k. 18k a year maxes your 401k. 