re: What would you do if you were me?

1. Keep 3-6 months of salary or budgeted expenses (your expenses are probably low so you dont need 100% of 6 months salary) in a liquid account as an emergency fund - in case you lose your job, car blows up, break your leg, etc.

2. Invest in 401k up to the employer match, but no more than the match, and no less.

3. Invest full amount (roughly 5k per year) in Roth IRA.

4. Take out some money for fun every month and keep it in a separate liquid account from your emergency fund. You deserve to have fun too you know

5. Invest everything else in your preferred investment strategy, either mutual funds or regular stocks.

Source: Same situation as you my man