<prompt> Human: I am an engineer and Ive made the mistake of saving too much with the expectation of doing something with the money home ownership or something similar. I am roughly 26 years old for context. I have about 55k in savings. I am in the middle of a move and I forsee expenses that will not allow me to save but my bank assets of 55k will not adjust until after October. I have a 401k that I contribute roughly 12 of my income to and an HSA. I would like to get into investing or some other means to make money on what Ive saved but I am not sure where to start. Ive seen suggestions for investing in an index funds like the SP. Im not really sure what would be a smart amount of my money to invest and what avenue to go with. Relevant Information: My car is an old Honda Civic 00 with 100k Miles I dont forsee myself buying property for another year Any suggestions would be greatly appreciated. Edit:Company match to 401k is effectively 3 if I contribute 6. Edit 2:I probably shouldve provided this before, perhaps it wouldve added more context. My 401k currently has 41k in it which is independent of the 55k my question is related to. I do not have an IRA Edit 3: No Student Loans or any Debt currently.  <response>: There a quite a few people responding as engineers.Well...30 year old, engineerI see a lot of people recommending you go and read this or that or basically learn all you need to know that a professional already knows. Which isnt bad but, in my opinion, that is similar to teaching yourself how to design a building from a book with no practical experience or education. Therefore, you may benefit from discussing your financial future with a reputable financial planning firm. My wife and I did and we dont regret it. In fact, they provided a lot of great information and helped my wife and I plan for short term as well as long term.Basically, we put our money into multiple buckets for short and long term savings. 