<prompt> Human: My living expenses and personal spending are about 2k per month, but I make 4k per month. For that extra 2k, is there anyway I can squirrel it away into some investments or mutual funds via Pre-Tax dollars? A 401K only lets you do so much ... I am wondering if there are other methods.  <response>: 401K, IRA, HSA... theres really only so much you can do unless you want to start spending a dollar to get back a quarter. 