<prompt> Human: Here is my current situation: Im at 7525 cash vs retirement accounts. Right now Im contributing 15 to my 401k, but I could put a bit more I suppose. The 401k has only 500 of employee match, but it does offer a Vanguard target date fund with a low expense ratio 0.1. I also have a roth IRA, but a recent promotion moved me into the phase out for a roth IRA. Ive heard that a backdoor is an option. Is there any risk to this? Im a bit confused about how this works.Right now Im making 10,500 pre-tax per month. I live in a super high cost of living area, but Ive miraculously found a cheap housing situation. Im not sure how long this will last, but Im trying to hold on as long as I can. I have no debt. I think that after taxes and monthly expenses Im around 5000-5500 left over per month.It seems like I should be doing something with this money to make more money, but I have no idea what. Property seems like the obvious choice, but even buying the cheapest house I could would be 500k, more realistically 750k for a decent starter house in an okay area. What should someone in my situation do? Thanks!  <response>: what do you do? 