Delaware Valley PA 5

INTERIOR DESIGN TRENDS FOR 2023

In life there are constant changes, so too in the world of interior design. Trends are always shifting. The themes for 2023 seem to be: Sustainable living and health & wellness designs. There has been a move away from minimalism to individualism which has created more personalized and decorative styles. In this new, post-Covid world, there have been many changes to the way we live, both inside and outside of the home. Many of us spend much more time in the house, so people have adjusted their priorities in the way the home is used.

With a new focus on wellness and healthy living, more attention is paid to comfort and overall well-being.

Kitchens are central to this new lifestyle and the open kitchen is an important aspect of this new trend. Most desirable are large islands that seat the family comfortably and provide lots of workspace. Upper and lower cabinets of different colors are in fashion as are stainless steel cabinetry and fixtures. To update a kitchen, a coat of paint can completely change the feel and be extremely cost effective. Lighting is also a key component, particularly if natural light is not available. A growing number of homeowners are installing led lights underneath their cabinets to illuminate the kitchen counter top.

With so many people still working at home, a designated office is often a necessity and needs to be incorporated into the design of your home. First of all, it should be comfortable and functional. It is desirable to have natural light and natural materials wherever possible. Try colors that are inspired by nature for a calming environment. For a more dramatic approach, an interesting background wall color can be useful for

all of your zoom meetings.

Furnishings will feel more organic with the use of cotton, wool, and velvet fabrics. Of course fabric decisions can depend on the location within the home; it’s recommended that the home match its natural environment. There is still a movement toward coordinating the indoor and outdoor environments. Arches and architectural details are in as are soft edges, curved sofas, and personal pieces.

Multi-function rooms that cater to entertainment and exercise are in vogue. More people will want media rooms for movies and games as well as gyms and saunas.

Mud rooms and laundry rooms are no longer just utilitarian spaces. Today, homeowners want these spaces to coordinate with the rest of the home. Sometimes they even want to accommodate a pet with a special tub. Think about maximizing natural light throughout your home. Big open

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The focus of home design in 2023 is a calm, comfortable environment in harmony with nature that incorporates work, entertainment and relaxation spaces.

windows which bring in natural light can improve mood, focus and sleep patterns which will improve one’s health.

It looks like 2023 may bring with it the end of the white wall trend. Currently, designers are reporting

clients wanting jewel tones in blues, greens and even rust, which creates a cozier environment. This is part of the eco-friendly trend of the last few years which incorporates elements of nature. Gold will also be popular as an accent color.

It is important to revisit one’s estate planning periodically, as both circumstances and laws can change without notice. If you do not have an estate plan, it is time to create one. You probably have more assets than you think.

First of all, estate planning is an opportunity to designate who will receive your assets upon death or incapacitation. It will also allow you to designate a guardian for your children. With the advice of counsel, your plan will manage assets to minimize estate

taxes, gift taxes and any other tax issues. And most importantly, a good estate plan will avoid disagreements between heirs and probate which can be time consuming and expensive.

Begin with an assessment of all your assets, including your home and other real estate, art, collections, vehicles, and jewelry. List your checking and savings accounts, investment accounts, life insurance policies, IRA or 401 accounts and ownership interests in any businesses. Estimate the value in order to divide among your heirs. (.

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SEVERAL DOCUMENTS:

A COMPLETE ESTATE PLAN INCLUDES

POWER OF ATTORNEY

A durable power of attorney allows a person of your choosing to handle financial, legal and other matters if you are otherwise incapacitated. It remains in effect until death or revocation.

REVOCABLE LIVING TRUST

A revocable living trust is an instrument that allows the owner (grantor) of assets to establish a trust for beneficiaries with the help of a trustee. You can be your own trustee with an alternate upon death or incapacity. This document can be amended or revoked as needed. The most important aspect of a consuming and expensive probate.

MEDICAL CARE DIRECTIVE

A living will specifies your wishes for medical care. A medical power of attorney gives authority to a trusted person to make decisions if you are unable.

WILL

A will, though desirable, is not essential if you have a revocable trust. The main reason to write a will is to include assets which may not be included in one’s trust. A will is meant to simplify things. You can designate child custody and also the recipients of your most valuable possession, such as cars, jewelry or other personal items.

JAN

2023 PGA TOURNAMENT SCHEDULE

DATESTOURNAMENT

* Schedule subject to change

FEB

FEB 16 - 19, 2023

Genesis Invitational The Riviera Country Club, Pacific Palisades, CA

FEB 23 - 26, 2023 The Honda Classic PGA National Resort (The Champion), Palm Beach Gardens, FL

MAR 2 - 5, 2023

MAR 2 - 5, 2023

MAR 9 - 12, 2023

MAR 16 - 19, 2023

MAR 22 - 26, 2023

MAR 23 - 26, 2023

MAR 30 - APR 2, 2023

APR 6 - 9, 2023

APR 13 - 16, 2023

APR 20 - 23, 2023

Puerto Rico Open Grand Reserve Golf Club, Rio Grande, PUR

Arnold Palmer Invitational presented by Mastercard Arnold Palmer’s Bay Hill Club & Lodge, Orlando, FL

THE PLAYERS Championship The Country Club of Jackson, Jackson, MS

Valspar Championship Innisbrook Resort (Copperhead Course), Palm Harbor, FL

World Golf Championships-Dell Technologies Match Play Austin Country Club, Austin, TX

Corales Puntacana Championship Puntacana Resort & Club (Corales Golf Course), Punta Cana, DOM

Valero Texas Open TPC San Antonio (Oaks Course), San Antonio, TX

Masters Tournament Augusta National Golf Club, Augusta, GA

RBC Heritage Harbour Town Golf Links, Hilton Head Island, SC

Zurich Classic of New Orleans Harbour Town Golf Links, Hilton Head Island, SC

Brehm $666,000

Smith $3,600,000

Burns $1,404,000

Scheffler $2,100,000

Ramey $ 666,000

2023 PGA TOURNAMENT SCHEDULE

* Schedule subject to change

DATESTOURNAMENT DEFENDING CHAMPION

APR 27 - 30, 2023

MAY 4 - 7, 2023

MAY 11 - 14, 2023

MAY 18 - 21, 2023

MAY 25 - 28, 2023

JUN 1 - 4, 2023

JUN 8 - 11, 2023

JUN 15 - 18, 2023

JUN 22 - 25, 2023

JUN 29 - JUL 2, 2023

JUL 6 - 9, 2023

JUL 13 - 16, 2023

JUL 13 - 16, 2023

JUL 20 - 23, 2023

JUL 20 - 23, 2023

JUL 27 - 30, 2023

AUG 3 - 6, 2023

AUG 10 - 13, 2023

AUG 17 - 20, 2023

Mexico Open at Vidanta Vidanta Vallarta, Vallarta, MEX

Jon Rahm $1,314,000

Wells Fargo Championship Quail Hollow Club, Charlotte, NC Max Homa $1,620,000

AT&T Byron Nelson TPC Craig Ranch, McKinney, TX K.H. Lee $1,638,00

PGA Championship Q Oak HIll Country Club, Rochester, NY

Charles Schwab Challenge Colonial Country Club, Fort Worth, TX

The Memorial Tournament presented by Workday Muirfield Village Golf Club, Dublin, OH

RBC Canadian Open Oakdale Golf & Country Club, Toronto, Ontario, CAN

U.S. Open

The Los Angeles Country Club (North Course), Los Angeles, CA

Travelers Championship TPC River Highlands, Cromwell, CT

Rocket Mortgage Classic. Detroit Golf Club, Detroit, MI

John Deere Classic PC Deere Run, Silvis, IL

Barbasol Championship

Keene Trace Golf Club (Champions Course), Nicholasville, KY

Genesis Scottish Open The Renaissance Club, North Berwick, SCO

Barracuda Championship

Tahoe Mountain Club (Old Greenwood), Truckee, CA

The Open Championship

Royal Liverpool, Hoylake, Wirral, ENG

3M Open TPC Twin Cities, Blaine, MN

Wyndham Championship

Sedgefield Country Club, Greensboro, NC

FedEx St. Jude Championship

TPC Southwind, Memphis, TN

BMW Championship

Olympia Fields Country Club (North Course), Olympia Fields, IL

Justin Thomas $2,700,000

Sam Burns $1,512,000

Billy Horschel $2,160,000

Rory McIlroy $1,566,000

Matt Fitzpatrick $3,150,000

Xander Schauffele $1,494,000

Tony Finau $1,512,000

J.T. Posto $1,278,000

Trey Mullinax $666,000

Xander Schauffele $1,400,000

Chez Reavie $666,000

Cameron Smith $2,500,000

Tony Finau $1,350,000

Tom Kim $1,314,000

Will Zalatoris $2,700,000

Patrick Cantlay Patrick Cantlay

2023 LPGA TOURNAMENT SCHEDULE

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2023 LPGA TOURNAMENT SCHEDULE

LOCAL EVENTS GUIDE

DELAWARE VALLEY

PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

MARCH

MARCH 12 | ST. PATRICK’S DAY

PARADE

The Philadelphia St. Patrick’s Day Parade is one of the largest holiday parades in the city of Philadelphia. So come on and join us for this fun celebration! For more info visit: philadelphiastpatsparade.com

APRIL

APRIL 5 - 9 | INTO THE WOODS

Sondheim’s trademark angular melodies and Lapine’s witty lyrics wrap around an amalgamation of a series of Brothers Grimm tales. The Baker and his wife are at the center of the web of stories, driving the action with their deep desire to have a child. When they’re visited by a local crone, she reveals she placed a curse on their family ages back and will reverse their barrenness if they acquire crucial ingredients for one of her potions. Together they set off, meeting a host of colorful and familiar characters on the way. For more info visit: https://tinyurl.com/2p8nzzev

MAY

MAY 13 | FLEADH FESTIVAL

The Fleadh is the Philadelphia area’s biggest annual Irish-American Festival with multiple stages featuring live Celtic Rock, Traditional Irish music and dance, shopping, vendors, food, spirits, kids activities and more. Bring your dancing shoes to join the sessions with world renowned experts and jam with other like minded musicians. For more info visit: phillyfleadh.com

MAY 28 - 30 | FILM FESTIVAL

The Philadelphia Latino Film Festival showcases feature films, shorts, youth films, animations and documentaries by established and emerging Latino and Latin American filmmakers, screened in English or Spanish with subtitles. For more info visit: phlaff.org

JUNE

JUNE 3 |

CAR SHOW

This year’s show will include handmade arts and crafts vendors,

LOCAL EVENTS GUIDE

DELAWARE VALLEY

PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

classic cars, local musicians, community organizations, and more! All proceeds benefit Conshohocken Art League. For more info visit: conshohockenartsfestival.com

JUNE 10 | VEGFEST

Philadelphia VegFest is a celebration of vegan and whole-food plant-based lifestyles, featuring vendors of food, service, activism and lifestyle; live music; speakers; presenters; interactive activities, and more. Enjoy the intimate neighborhood ambiance and comfort of this large-scale vegan event! For more info visit: phillyvegfest.com

JULY

JULY 5 - 11 |

MOULIN ROUGE!

The year is 1900, and Christian, a young poet and talented writer, has come to Paris to pursue a career and become a member of the Bohemian movement. Christian ends up falling hopelessly in love with Satine, the star of the famous Moulin Rouge. However,

Satine has already been promised to the unscrupulous Duke. A love triangle ensues. As Christian and Satine try to stay together against all odds, they are led down a dark and dangerous path, but Satine is holding a terrible secret of her own… For more info visit:

https://tinyurl.com/yvfathc9

JULY 13 - 16 | FESTIVAL OF THE ARTS

The Central Pennsylvania Festival of the Arts is an art lover’s dream! Whether shopping for a unique gift, or looking for something for yourself, our Sidewalk Sale and Exhibition is the place to be. You’ll find over 300 of the country’s best artists selling a wide variety of fine art and fine craft. For more info visit: arts-festival.com

AUGUST

AUG 6 | 2ND STREET FESTIVAL

The Northern Liberties 2nd Street Festival draws people to a sixblock stretch of North 2nd Street. All afternoon and into the night, a Philly-centric lineup of live bands

LOCAL EVENTS GUIDE

DELAWARE VALLEY

PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

plays across three stages. Guests find plenty of food and drink vendors providing an array of eats and drinks and merchandise vendors selling crafts, clothes and more!

For more info visit: . 2ndstfestival.org

SEPTEMBER

SEPT 9 - 10 | MUSHROOM FEST

Mushroom lovers across the nation converge in historic Kennett Square each year on the weekend after Labor Day. Over past years, festival events have included the National Fried Mushroom Eating Championship, an Antique and Classic Car Show, a Mushroom 5k Run/2-mile Walk winding past local mushroom farms, an Amateur Mushroom Cook-off and more!

For more info visit: mushroomfestival.org

SEPT 30 | CRAFT BEER, WINE, & COCKTAIL FESTIVAL

An incredible celebration of the best craft beers, wines, and cocktails at Citizens Bank Park, home

of the Philadelphia Phillies. Grab a friend and explore all the amazing drink options this festival has to offer! For more info visit: https://bit.ly/38Js1qo

OCTOBER

OCT TBA | FILM FESTIVAL

The Philadelphia Film Festival is a world-renowned annual event premiering everything from Oscar contenders to breakthrough local films. For more info visit: princetheater.org

OCT TBA | BEERFEST

A celebration of local craft and international beer, the Annual King of Prussia Beerfest Royale is a must-attend for suds lovers. The event features over 100 craft and international beers, dishes from some of King of Prussia’s most popular restaurants, including some new to the area, as well as live music on multiple stages. For more info visit: kopbeerfest.com

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LOCAL EVENTS GUIDE

DELAWARE VALLEY

PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

OCT TBA | HALLOWEEN

Come for the thrill of it! Halloween in Manayunk offers a fun and safe way to celebrate Halloween. The Pretzel Park Farmers Market will host spooky vendors and a costume parade. Stop by to enjoy a safe spooky night! For more info visit: https://bit.ly/2LwJ1qV

NOVEMBER

NOV TBA | PHILLY WINE FEST

Specially curated wineries serve patrons tastings over a multi-session, all-day, all-night vino experience. You’ll have the chance to sample premium wine to your heart’s content, while live entertainment keeps the party lively during this one of a kind experience. For more info visit: phillywinefest.com

NOV TBA | THANKSGIVING DAY PARADE

A true Philadelphia tradition, the 6abc Dunkin’ Thanksgiving Day Parade is the oldest Thanksgiving parade in the country. The

city streets make way for massive floats, plus local performers from choirs, dance groups, marching bands and more. For more info visit: https://bit.ly/3KZ0Yan

DECEMBER

DEC 14 | BEER & CIDER FESTIVAL

Join us for another fun-filled ho-ho-holiday beer and cider festival. Shoulder to shoulder with the most popular local breweries and cideries will be amazing producers from across the country and around the world. This thirst-quenching tasting experience will be a fun-filled day for the beer lover and the cider drinker. For more info visit: valleyforgebeerfest.com

JANUARY JAN 1 | MUMMERS PARADE

During the festive, often-rowdy, more than 120-year-old tradition, 10,000 adults and children dressed in colorfully lavish costumes twirl, sashay, pirouette and strut down one of the city’s main streets on

LOCAL EVENTS GUIDE

DELAWARE VALLEY

PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

New Year’s Day. It’s truly a sight to see — the closest comparison is Mardi Gras in New Orleans. For more info visit: https://tinyurl.com/yc5xjbfc

FEBRUARY

FEB 23 - 25 | PHILLY HOME SHOW

The Philly Home Show is a vibrant marketplace where you can shop for home-related products and services, experience stunning displays to help inspire your next home project, connect with industry experts, and enjoy informative presentations from renowned

local and international home professionals. With 200+ booths to explore and several unique feature displays to enjoy, this is a valuable event for all Philadelphia homeowners! For more info visit: phillyhomeshow.com

2023 GRAND SLAM TOURNAMENT SCHEDULE

1Mon,January16,202311:00amMen'sandWomen's1stRound

2Mon,January16,20237:00pmMen'sandWomen's1stRound

3Tue,January17,202311:00amMen’sandWomen’s1stRound

4Tue,January17,20237:00pmMen’sandWomen’s1stRound

5Wed,January18,202311:00amMen’sandWomen’s2ndRound

6Wed,January18,20237:00pmMen’sandWomen’s2ndRound

7Thu,January19,202311:00amMen’sandWomen’s2ndRound

8Thu,January19,20237:00pmMen’sandWomen’s2ndRound

9Fri,January20,202311:00amMen’sandWomen’s3rdRound

10Fri,January20,20237:00pmMen’sandWomen’s3rdRound

11Sat,January21,202311:00amMen’sandWomen’s3rdRound

12Sat,January21,20237:00pmMen’sandWomen’s3rdRound

13Sun,January22,202311:00amMen’sandWomen’s4thRound

14Sun,January22,20237:00pmMen’sandWomen’s4thRound

15Mon,January23,202311:00amMen’sandWomen’s4thRound

16Mon,January23,20237:00pmMen’sandWomen’s4thRound

2023 GRAND SLAM TOURNAMENT SCHEDULE

2023 GRAND SLAM TOURNAMENT SCHEDULE

2023 GRAND SLAM TOURNAMENT SCHEDULE

- TRAVEL TO -

If you haven’t been to Africa and are looking for an amazing experience, consider a safari. The only question is where to start, as there are many African countries with amazing national parks and various wildlife, all of which can provide a once-in-alifetime vacation. The top countries for safaris are Tanzania, Kenya, South Africa, Namibia and Botswana.

MASAI MARA

JUNE - OCTOBER

Masai Mara National Reserve is the most famous. It is known for its herds of plains’ game which include Masai lions, African leopards and Tanzanian cheetahs. The park is also home to the annual migration of zebra, gazelle and wildebeest to and from the Serengeti in Tanzania.

LAKE NAKURU

Lake Nakuru National Park is known for pink flamingos flocking along the shore of the lake. Also notable are the park’s white rhinos, warthogs, giraffes, zebras, hippos, ostriches and lions.

AMBOSELI

JUNE & OCTOBER

Amboseli National Park is best known for its view of Mount Kilimanjaro and over 300 species of birds. You will also see zebras, wildebeests, hyenas, lions, cheetahs, buffalo, jackals, giraffes and leopards.

TSAVO

MAY - OCTOBER

Tsavo National Park, which is made up of two smaller parks, is the largest in Kenya and also the most remote. Famous for elephants playing in the Galana River, you will also find 500 species of birds and also giraffes, gazelles, lions, antelopes, impalas, hyenas and oryx.

Samburu Game Reserve is known for rare species such as Grevy’s zebra, Somali ostrich, and the Beisa Oryx. It is also home to around 900 elephants as well as lions, leopards, cheetahs and over 450 bird species. It is also famous for Kamunyak, the lioness that adopted 6 baby oryx.

Tanzania

There are 22 national parks in Tanzania, making it difficult to decide where to go. Serengeti, which is a UNESCO world heritage site, and Ngorongoro are the largest and most popular destinations and are often toured together along with Lake Manyara National Park. You will spot the big five mammals - buffaloes, elephants, rhinos, leopards and lions as well as giraffes, zebras, hippos and 500 species of birds on your nature walk, game drive, or in a hot air balloon.

LAKE MANYARA

JUNE - OCTOBER

Lake Manyara Park was established to protect large herds of elephants and is also famous for tree-climbing lions. With its beautiful setting on the lake, it is perfect for viewing pink flamingos and over 400 species of birds.

NGORONGORO

APRIL - MAY

The Ngorongoro Conservation Centre (world heritage site) is known for the Crater which was formed when an ancient volcano exploded and collapsed on itself, creating vast plains that attracted wild life. The big five can be viewed here as well as black rhino. The Massai tribe still grazes their livestock here. Also, the Olduval Gorge is found here. This is where the Leakeys, in 1959, discovered evidence of human origins, fossilized bones, and stone tools dating back millions of years.

TRENDS FOR 2023 Health Food

Rarely do we think about what is trending in the world of food and drink, but there are organizations that study this issue constantly, including Whole Foods, Innova Market Insights and even Martha Stewart herself. The current trend seems to be towards a focus on healthier eating due to an interest in sustainable agriculture, climate change and possibly as a result of correcting those bad habits acquired during Covid lock down.

In the drink space, mocktails, or virgin cocktails, have become more and more popular for health reasons, even spawning a number of new establishments devoted exclusively to alcohol-free night life. This trend expands well beyond Shirley Temples and there is an emphasis on alcohol free cosmopolitans, margaritas, mojitos

and other more original creative drinks. As an example, Whole Foods points to yaupon, a caffeinated plant, to be brewed for tea and also used in new mocktail creations. Also growing in popularity are milk substitutes like oat, soy, almond, and even potato. They are typically lower in fat, sugar and are also cholesterol free.

In the world of foods, there has been significant and growing interest in nutrition and sustainability. We will be interested in more natural less processed foods as well as more traditional ethnic menus. Plant based foods will be a growth area as the number of vegans has increased significantly and most of us have cut down on meat consumption for health and environmental concerns. We will want more locally produced ingredients due to interest in climate change. There is actually a new word for this - glocal. Think global and eat local!

Plant based pasta made from chickpeas, cauliflower and zucchini are already popular but new ones made from hearts of palm and green

bananas are coming. And of course there is spaghetti squash which is the true vegetable pasta. Plant based meats have been available for quite some time but expect to see more plant based chicken and cheese.

Interestingly, mushrooms are of particular interest as they are actually a super-food and contain so many necessary nutrients such as vitamins B and D, potassium, and antioxidants that can reduce signs of aging. With over 400 species, there is always a new one to try and the latest trend is toward oyster and trumpet mushrooms. What makes mushrooms such a versatile substitute is they are naturally chewy, crisp up when cooked, and absorb a variety of sauces. Don’t forget the portobello, which is a great meat replacement or even king oyster mushrooms as a replacement for scallops.

Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings.

For most of us the only way to financial security is a long term plan of saving and investing.

Consistency is key to reaching long term goals no matter your income. The sooner you start saving and investing, the longer your money has to compound and grow.

Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you won’t dip into your investment account when the market is down. Keep expenses low and spend on what is really important to you whether it is experiences or material things.

Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load.

If your employer offers a matching 401(k) contribution, be sure to take advantage of that option

and contribute at least enough to receive it. It is essentially extra income that will grow and compound and is not taxed until you withdraw it.

You can do it yourself but it probably makes more sense to work with a financial advisor who is more knowledgeable about financial markets. An advisor will help analyze short term vs long term needs, separate emotions from objectives as well as help with devising a portfolio and strategy suitable for your needs.

Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market.