Ok, you have 401k, you have insurance, you have emergency fund in place. Now what should you do with the entra saving?
Option 1. Keep it under the carpet and pray no one will find it.
Option 2. Buy a CD and accept meager interest rate.
Option 3. Use it to build a golden army.
I will go for option 3. Money is mysterious thing. You can use it to help people, to enjoy yourself, and to reproduce itself. What ahold be your golden army? That is an tricky question. Bt it should be something that constantly generate positive cash flow for you. You can look for golden army with your financial planner or your business partner. Or you can create an army by starting your own business.
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