<prompt> Human: Hi everyone, Im a 23 year old and making a little over 100k a year. Im single and dont have a lot of expenses and no debt. I maxed out the amount I can put into my ROTH IRA annually, and I also have a more aggressive diversified index portfolio I put a couple hundred into each month. Im not looking to buy a house anytime soon, but Id like to save up money and in a decade or so look at buying and managing property. Im not a big spender, Ive always loved saving. I figure the more I save now the greater impact I can make later. I want to set aside money and save up enough so that I can eventually draw out of something that is earning 4 or 5 interest. Open to any advice you all have. Thanks in advance!  <response>: Forward: I tend to recommend keeping more cash on hand than others like.. but your 23 and making 100K.. so lets think over the next 5 years..1. Keep it simple.. as you mentioned you are a saver so do this.2. 10,000 in cash in your personal checking3. 100,000 goal in personal savings account, then 200,000 make it a game to get there, can do this over years, just setup 500week to go to savings. Then this can grow and grow, use this to buy your home one day when its grown. Think about needingusing that 250-300K to put down on a home if your in an area if homes cost 800-1 Million for example.4. Everything else into your retirementinvestments even if your not getting the tax advantages5. Not finance but, put together your 5 year, 10 year vision of where you see yourself plan with your finances and how your going to get there.6. Invest in yourself7. Stay out of CC debt, pay off credit cards monthly. Car loan is okay, keep it to what you know you can afford. Keep an eye on your credit score, think about payment history etc so when your ready to buy a home even if it may be 4-5 years away.8 While your single now.. think about living off half your income if you do have a girlfriend, wife, kids dogs etc. What does that look like financially, how do you grow your income? 