So I've gone super aggressive at the start of 2015 and as of tomorrow, I'm going to have my 401(k) maxed out for year 2015! This was helped with a 10k bonus from 2014 that was deferred to this year by my company. On top of that, a side business has brought in 60% more revenue than any other month since its inception (about a year ago), which I've been able to use to fully fund my Roth IRA and fund 3k into my SEP-IRA. I owe this aggressiveness and shift in money placement to MMM and these message boards. I enrolled in a graduate study program last year primarily for personal fulfillment (I am on a stipend and not paying anything for school), but with an initial expectation that I would use my savings to sustain. However, based on performance of my side business, my thinking is now focused on actually growing my wealth (albeit with a significantly reduced salary compared to previous years) while I am in school and actually exiting school with a substantially increased net worth. What a great feeling.