stupid. I just paid off my student loans. Have no other debt except for a mortgage. Make 90k a year, plus a bonus. I opened a Roth with Vanguard, but haven't funded it yet. I'm about to do so. Chime in real quick if there is something better I should be doing with this money. I'm thinking of putting in about 4k. My goal is to put 2k more in to max out for 2019, then do the same for 2020, then open a taxable account in index funds. Is there something I am missing? In an idea world, I would buy some rental properties, but prices are too high right now here for that to be practical.