<prompt> Human: I only recently graduated 2 years ago, so Im a bit clueless about how to maximizing my savings. I put away a large percentage of my annual income, roughly 70-80, but its mostly just sittings in checkingssavings in the bank. My annual salary is fairly variable, but last year I made between 400 and 450k, and I expect to make more this year. I have about 30k in a chase premier plus checkings account, 200k in a chase plus savings account, and about 25-30k in a company matching 401k I didnt max it out the first fraction of a year I worked but maxed it out last year and plan to max it out this year. I plan to use the money in the savings account to start investing on my own, ideally. I currently have no mortgage and no other debts. My general questions are --1. What should I do with my immediate available cash lets say whats in the checking account to maximize benefitsreturns?2. What should I do with the 401kother retirement plans, beyond simply maxing it out right now?3. Is there any specific credit cards I should be using to get the most benefits? Right now Im using a chase freedom card. I usually travel outside the country about once a year for pleasure, and every 2-3 months on the weekends inside the US, but usually have minimal spending habits otherwise. 4. Is there anything else Im oblivious to that I should be doing?Thanks.  <response>: but last year I made between 400 and 450kHey! I think Im related to you! Im your... your... cousin! Yeah! Im your cousin! 