<prompt> Human: On salary every two weeks net 1055.57 plus an end of year bonus 5,200 net bonus for 2017. As of today I have: Checking 4,335.32 Savings 23,643.95 401k : 1,701.86 Average Monthly Bills and Expenses: Mortage Hoa 732.97 Utilities 309.99 Auto Ins 100.75 GasFoodShopping 693.00 No car payment, no more credit card debt, no student loans. I just started contributing to a 401k. I use Chase Bank, the savings account is 0.04 APY. By 2015 I got myself into 8,700 worth of credit card debt. I worked side jobs most weekends, flipped a couple classic cars and some car parts, flipped some furniture and knick knacks at flea markets and online. As soon as I paid off the credit card debt I had to replace a 5,500 packaged heat pump on the house. Now that I hit my arbitrary goal of 20k in savings I have lost motivation to keep doing my side hustles. Im just burned out. I dont want my little bit of savings to start eroding away. I really really dont want debt again. Id really like to do my 8 and hit the gate, but putting away about 450mo in a 0.04 APY savings account just doesnt feel like I am making significant savings. What should I do now? Should I put the 20k savings somewhere else? Look for a better paying 9-5 job or keep side hustling?  <response>: You need to contribute more to your 401k and open up a Roth IRA. 