<prompt> Human: Im 23 and make about 40k a year with only small expenses cheap rent, no car, no loans. I have 10,000 in a USAA savings account and 13,000 in a Vanguard Roth IRA all in VFFVX. I have 15,000 just sitting in my checking account. I spend it on my hobbies but have a lot left over. Im thinking about investing everything except what I want to spend on rent, food hobbies so about 10,000 total.Im looking for advice as to what I should do with this money. I bought the Bogleheads Guide to Investing but so far Ive only gotten a few chapters in.Im already living life to the fullest love my job, have awesome hobbies, get paid to travel so I dont need to spend any more money there. Thanks for reading!Sorry for another thread like this, I know theres a million, but I really do appreciate any advice you can give to me.  <response>: Sounds like youre on the road to rfinancialindependence. You might want to ask this same question over there, as well. 