<prompt> Human: 28, single no kids. Bachelors degree in business mgmt paid for by family. I manage a marketing team of 12 reps. I make about 65k per year since 2016.Ive saved up 15k in cash. I dont have any retirement accounts, and no debts.My apartment costs 1300 per month. I cant save enough to buy a house; but I feel like Im not doing terribly...  <response>: I dont have any retirement accountsOther than this, sounds good. 