Thanks for the advice. I'm going to take it! I've been putting a lot of my efforts in getting my base salary up (so focusing on my job), and now I'm finally in this new, unfamiliar territory of actually having a comfortable amount of money leftover every month. I still want to do a business, but I guess now it makes more sense to split the capital and to allocate the monthly contributions wisely.

I'm not American ! I'm from Asia and I moved to EU for work. My country doesn't really have 401k or anything sorta close to that.

Supporting extended family like aunts and uncles. I'm the only young person that's working currently so when medical expenses come up I try to pitch in as much as possible. My aunt and uncles were really close to me, and I like to help them out.