If you're 26 years old, investing in t-bills is a horrible idea. Show me a 40 year period where t-bills have outperformed the stock market. OP, she definitely

If you're 26 years old, investing in t-bills is a horrible idea. Show me a 40 year period where t-bills have outperformed the stock market. OP, she definitely put in as much as money as her employer will match. If there's more leftover, put in another 5k into an IRA (at her salary and considering she's already investing in a 401k, probably a roth ira is a better idea). Put it almost all in a low cost index fund (either one that tracks the S&p 500 or something like vanguard's total stock market fund). If you want you can stick a little in bonds or international stocks although neither are necessary.