<prompt> Human: So yeah... Im a 26 year old that brings in 80k before taxes and doesnt do anything smart with it. I have 60k sitting in my checking account. I am putting 10 into my 401k that has 20k in it right now. Zero debt. What should I do???  <response>: This is what I would do.Open a Roth IRA and put 5,500 into it. Then, increase your 401k to at least 15 or even 20. Then move money from your checking into a high yield savings account. 