d what i ca your discretionary mad money pfile. icis a big reasonhy i wrote get richarefully to begin with. even if you don t own individual stksctly you probably ha some of exp t the ock maet. a 1( planhere you kepthe bulkf your retirement fun, which i want to take a moment to talk about retireme. for thos you living in a cave40k)plan a e main merans se.they re offered byyour employeandy re ahere fe iesent vicles there, along with the i.r.a. i mlking out the individual requirement ccou. wait for those of you whore about to flasleep or change t channel becahe whe id of savi foretiremtuts you to sleep, hea me out. because you need toknow thi f. m going to tel you some things that u wot hear from e soalled perts. is shois differe. at thipoint, it setty mch become coonal wisdoth you have to invesn you 401(k). th a idi would not contribute to a 401(k) plan. you to max out your 401(k) if you me engh money for tt to befeasible. the maximum coribution tds toe ingup over tie. 17,25,