What’s the financially smart thing to do with money that isn’t going towards bills?

What's the financially smart thing to do with money that isn't going towards bills? Outside of necessary expenses and purchasing luxury goods, what's the right thing to do with savings? Invest all of it? Some of it? Should I invest it in basically the same way that I've invested my Roth IRA, i.e., a three-fund portfolio? Something else?
submitted by /u/Jseegs123

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