I have lurked on these forums for many months, and I am now throwing my own financial question out to the group. Let me begin by saying that you all have changed my life--reading this website has made me realize how in control of my finances I could actually be. But I am really not a numbers person (those are just the facts!) and investing stresses me out to the max.
Here is my situation. I will preface by saying I am very grateful to not be in debt, and I owe a lot of that to fortunate circumstances. I am 31, no kids, no marriage, no house (I rent in a very high COL city, and have no desire to own at this time), no car (don't need one in my city), no debt (yay!). I get the employer match on my 401k (5%) and currently have about 34k in that account. I just opened a Roth IRA and have not yet maxed out for the year on that. I also have 9k in a brokerage account, and a little less than 7k in a high interest savings account with various set asides (travel, etc).
I just got a very generous cash gift of 10k from my family. I am grateful for it, and believe it will continue to happen annually for my foreseeable future (again, I am very grateful and know this is nothing but luck/my parents' fiscal wherewithall coming home to roost). My question is this--what the hell do I do with it? I don't need it for anything pressing. Do I add it to my brokerage? Max my Roth out? This is my first year getting this gift since I've become aware that I should be doing something other than spending it (I know that sounds awful--I am new to moustachism). Any advice or a point in the right direction would be so appreciated.
Of note, my goal is not early retirement. I actually love my job/line of work, and am very fulfilled by it. I just want to know that when I do retire I will be okay.