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@hmiranda03 With a $100K+ salary max both accounts and then you don't have to spend brain power on the choice.

@caljreich I would personally invest my future house money in stocks, BUT you have to be okay with the fact that when you want to buy they have crashed and are not worth as much as you expected. That's not the end of the world. You can either wait for them to recover and buy the house later or...

@otosongphuc You need to work out a plan to get to $1M [+ inflation] when you want to retire. That's going to look like "Save $2000/month and invest it in index funds." Get to work on that and make some progress. If you have extra savings above and beyond your monthly retirement target save and...

@ari3l654 If you need $120K+/yr to live and only have $200K saved and it's sitting in cash then you are screwed when you get back at 50 unless you can make a really large income at that time. You can do the following to help yourself: Invest the $200K into the stock market so it grows for...

@kycatt007 You need to look for ways to increase your income as it will help with every other step. I would wager most people are not earning to their full potential. That might involved working the system at your existing job, getting some extra education/certification, looking for a new job...