<prompt> Human: I am in my mid twenties and only spend about 20 of my take home. This is averaged over the last year using mint, so this should include all my expensesmedical, auto, housing, vacations, etc.I am looking for general advice. Should I seek professional services, is buying a house highly reccomended, just diversify and invest on my own? Are there some no-brainers that I dont know about?I have 15k in ROTH IRA, 20k in ROTH 401K, 120k in cashbrokerage. I live where state income tax is 10, so about 13 of my income goes to tax :I am debt free and graduated from college a few years ago and my salary has risen substantially over the last year. For those curious I am in software.I can no longer contribute directly to my ROTH IRA because of income limits. I did read about making non deductible contributions to a traditional ira that can be converted for free to a roth ira. The Roth IRA appeals to me because I can take my direct contributions back tax free if necessary. I imagine I will buy a house in the next few years, and I am not sure how this should affect my investments. I have traded in the past and while it was profitable I cant say it was anything other than gambling. I have recently liquidated most investments to lock gains and a bull run can only last so long. That being said, while I am comfortable picking some new long term investments and I can diversify I am not sure if I should be getting professional services. I dont like the idea of paying someone to pick long term investments who take commission on percentage points of each trade. Not sure what I should be doing, but I know I need some type of investment going. Thanks.  <response>: I would look at the normal 401k instead of Roth at that income limit. Look up I bonds. Look at investing after tax money. Tax managed accounts may be a good choice for your free tax money. If you are looking at a house in the next couple years start putting money into a savings account or CDs. 