Hi 🐟, I’m young and deciding what to do with the extra cash I’ve saved (~$25k). High yield savings? Or is managing an active brokerage account worth the effort? Other ideas? Already maxed 401k match.

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Roth IRA if you don't make more than the max allowed

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Contribute more than the max, extra cash in high yield savings for 6 month emergency

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Thanks! Wondering if I should “lock” extra funds in an IRA though, or keep some of it available in case I go back for an MBA, etc.

Low risk index funds often outperform actively managed funds over a longer time frames (10+ years). A lot of online accounts allow you to trade low risk funds without a transaction fee. Put your money in and forget about it.

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