<prompt> Human: Say youre about 30 you make about 50k a year. No debt, no student loans but also no 401k. You get your emergency fund together in a ge savings that gets .95 apr and then you set up a vanguard Roth IRA target retirement 2050. After you max out the IRA, what do you do? Pad the emergency fund? Have a series of elaborate pizza parties? Get some CDs? Gamble on sports?  <response>: In good health? Try an HSA. 