Ask HN: What are you folks doing with your budget surplus?

Since there's a lot of rich folks here at hacker news Im kinda curious what you're all doing with your income?

I'm not really sure what to do after doing the basics of paying bills and doing the retirement plan roadmap. Im mostly putting my surplus on self-improvement classes, sending money to my parents and siblings, and putting some in ETFS and some options contracts and stock shares.

Im kinda hesitant to buy more stocks/options/index funds or buy a new car. The return on investment for fully paying my student loans doesnt look good either.

Im curious about what you are doing with your extra income or any interesting things other people are doing