<prompt> Human: Im a single 27 year old guy making 70k a year in a low-medium cost of living city. Currently I put 17 into retirement between company and Roth IRA. About 35k in retirement, 20k in the bank, and 5k in brokerage account. Student loans are paid off, no other debts. Not planning on buying property soon, also not having kids so dont need to worry about that.Its a good problem to have, but what should my next moves be financially? It seems like my options are to put even more in retirement or just put in into the brokerage account or bank. That just seems a little boring, I guess it would be nice to have a specific goal.  <response>: Getting wealthy isnt sexy and exciting, its supposed to be boring. Its all about discipline and consistency. The excitement comes when you are 45 and retiring with 2.5M asset. 