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Hypothetical: You are a 23 year old consulting analyst seeking honest advice. You’re incredibly fortunate in that you have no debt, have maxed out your Roth 401k for the year, and have a good emergency fund. You have ~10k in the markets being invested outside your 401k but you’re unsure how to best utilize ~30k you have sitting in a bank account doing nothing (separate from your emergency fund). What would you do?

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