<prompt> Human: I make 80k a year, single, and heres my current investments.- 300 a month for student loans- 10 401k and all in with the sp500- 350 a month in a Capitol one savings- 150 a month in a fidelity sp fusex- 100 a month in a Roth IRADepending on the month I usually have a few hundred left over that Ill probably just tuck away in savings.My question is, should I be more aggressive with my savings? I dont really have a specific goal for what Im saving for. Ideally I want to pay off my student loans but would like a cushion of savings before I start paying more into it. In 5-10 years enough money for a house down payment would be nice too so keep that in mind.Assistant: Why are you investing in after-tax funds before you max out 401k and Roth IRA? Need to get those 18k and 5.5k first before another 150 in after-tax. Otherwise looks okay. You may want largemid cap exposure and international exposure.Additionally, whats loan rate? May be most effective to just throw everything non-tax advantaged at them.You can be more or less aggressive if you want. I pick a savings target and spend the rest. 30 seems like a reasonable goal for you since youre already there I include student loans as savings since they positively affect your net worth and you can just move the money to savings once theyre complete.Human: If you dont want to touch that money until retirement, its fine to throw it away in a 401k or IRA, but at his age thats probably the wrong decision. First off, paying down the student loans a LOT faster would be better. Next, saving for the down payment on a house, as mentioned, or a wedding, travel, car, or whatever else will come WAY before somebody taps into their retirement account. You get your company match, then you pay down your student loans, then you figure out what you need to save for. Im not saying ignore saving for retirement, but do not discount just how much it costs in early adulthood to get your feet under you and those expenses need to be paid for somehow. Assistant: yea good point. If I cut down on my 401k contributions to 4 or 5 and just put that extra money towards student loans calculating I can pay between 750 and 1000 against my student loans theyll be payed off no more than 3 years from now. Makes more sense actually.  <response>: No. Cut down on after tax investments way before cutting your 401k 