<prompt> Human: Im living near DC making 60k a year. Once my car is paid off, which should be this year, I believe I will be able to survive on about 19k a year. I dont know how realistic that will be long term, but for the immediate future, lets assume I can roll with that.My company also offers a 50 match for my 401k which is insane. Im currently enrolled in an HSA health insurance plan, so assuming I dont get sick in the next two years, that looked to be my best bet.Im 30 years old. Finanically, I am incredibly fortunate to be in the position I am. But I want to utilize my money in the best possible way, to try and build towards a future where hopefully I wont have to work my life just doesnt feel very fulfilling right now.I would like to be able to work towards having some kind of income that demands minimal or no effort from me. Even if its not enough to live off, just having some kind of passive income I think would be great. Sticking money in the bank just seems like inflation is going to devalue your money quite a bit faster than interest will offset.Should I save up and try to invest in a side business? Or perhaps try to buy property currently renting? The problem is, I recognize that Im not terribly smart in general, unless it comes to writing or coding, so I know my options are fairly limited, as Im never going to have the capacity to trade stocks or currencies.Really, any and all advice is very welcome. Ive worked hard to reach the point Im at, but I dont want to waste the rest of my youth away, just so I can take care of myself when Im old and life has passed me by.Assistant: My company also offers a 50 match for my 401kIs there a cap? If not, load up and get that free money. If you can live off 20k a year now and max your 401k, thats 18k 9k every year youre saving for retirement right off the bat.Human: The only cap is jus what the 401k allows which I believe is 18k, like you say. Believe it not not, they actually do a 100 match for older employees. I dont qualify for it until the end of the year, but then I can start putting into a 401k speaking of, is there a particular benefit to maxing it all at once, or can I just budget to have it maxed out over the course of the year?.In any case, I definitely would like to try and save enough to max that out. I suppose I wonder if there are any other opportunities I should consider looking into, though? I just kind of question if Im actually, you know, going to be around long enough to collect from my 401k. Im technically healthy, but I havent taken the best care of my body, and my family history isnt great aside from one grandpa and his mother, most people in my family tree have never made it to 70.Living on 20k is possible, but would be incredibly difficult. Biggest problem is thats only factoring in absolute necessities, and its easy to blow past your budget case it point, I just spent nearly 150 at a bar the other day, and it didnt even feel extravagant. Plus, if my living situation changes, that will radically alter my budget currently paying 1kmo for a bedroom, my own place would be 1.5-2kmo.Still, I need to start planning things now, because failure to plan is what leads to reckless spending, for me anyways.  <response>: I just kind of question if Im actually, you know, going to be around long enough to collect from my 401k. Im technically healthy, but I havent taken the best care of my body, and my family history isnt great aside from one grandpa and his mother, most people in my family tree have never made it to 70.Better to save it and not need it, then to need it and not have it. Besides, you may get married andor have children some day and it would pass to them.With a 50 match then I would definitely try to max that out. You hit the 401k jackpot. Couple that with maxing your HSA and youve got over 30kyear saved, but only 16k or so in less net income because of the tax savings. 