conversation: User (Chiphai): "I'm 27 years old making about 1700 biweekly. I have no debt, my car is paid off, currently single, and I live with my parents because there is no reason to move out (I'm basically doing what I would be doing if I was living alone). There's currently nothing I'm dying to have at the moment.\n\nI contribute 20% to my 401k with vanguard, and my work matches 100% up to 1.25 of my total income. It's pretty much maxing out at $18K per year, and currently have $10,000 in there. I have already put in $11,000 in my roth IRA for this year and last year. The money in my roth is in an index fund with vanguard. In addition, I also have $13,000 in a brokerage account that my mom made for me when I was a kid.\n\nAt the moment, I'm thinking about extending my parents house (an additional 3 bedrooms, 2 bathrooms). Either that, or buying a house with my brother under my dad's name (whose FICO score is over 800), and rent to students as a second income.\n\nI'm pretty bad at the stock markets, so I stay away from them. Is it wrong to just let my money sit instead of using it to make more money? "
  Self: "&gt;Is it wrong to just let my money sit instead of using it to make more money?\n\nNo it's not "wrong".  The upside is your money is not at risk.  The downside is you are leaving potential money on the table and depending on how much you have to invest, there could be a lot of it.  At the very least put the money in an online savings account where it can grow at 1%.  Or look into bonds or other guaranteed forms of long term investments."
  