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I would make a budget and see how much you can afford to invest. I would start with saving an emergency fund and making sure you get the full company match. I would then do a Roth IRA if you can and HSA if you can. You may not be able to do all that on your budget but that is the order I would follow. I would invest the 401k and other accounts in an SP 500 index or target date fund if it is inexpensive, if you have those options. Don’t know anything else about you so hard to say anything else.