<prompt> Human: Hi rpersonalfinanceI am 21 years old, currently living in the UK and have just accepted a 130,000year job offer in San Francisco which I will be starting in April.The end of the UK tax year will mark one year of being self-employed in the UK.Current situation 26,000 cash savings 7,000 premium bonds Have not used any of annual ISA limit I am awaiting some payments and a small inheritance 5k, so I expect my cash balance to be around 40-45k by the end of the UK tax year before I relocate.I know I should be doing more with the cash as it is currently sat in a current account earning a paltry 16month interest. One consideration is that I will need at least some portion of any investments I make to be fairly liquid as I am expecting a UK tax bill of around 15k, payable in January 2016.New job 130,000 salary 5,000 signing bonus Stock options 4 year vesting period Company-sponsored 401k plan, but no contribution match I have come up with a rough budget plan, and I estimate I will have between 3.5-4k per month left after taxes and living costs.I should mention that I dont intend to stay in the US forever, and Im not sure how this should influence my decisionsinvestments. The length of time I will stay is impossible to say at the moment, but it could be anywhere from a year to 6 years.A probable goal of mine is to move back to the UK within 5-10 years with a sizeable fund to be able to buy a modest house, preferably in cash. Where I come from, this would probably mean around 150-200k.Questions How should I best utilise my current cashpremium bonds bearing in mind that I will need to convert a significant amount to USD in order to fund initial relocationliving expenses until I start receiving my new salary? Should I contribute to the unmatched company 401k plan, even if I may not stay in the US for long? I have been told that it is about as good as it gets with regards to low expense ratios and investment options.Overall I am just looking for a bit of general guidance as to what is the best plan of action in my situation. As you may be able to tell, I am a total newbie when it comes to finances! Any advice is greatly appreciated!  <response>: Im not going to say anything useful since I mostly troll this subreddit for advice but a 21 year old with 45k in savings? Sweet jeezus. 