<prompt> Human: So I have about 30,000 in one of my savings account. Its just sitting there. I have another account that I use as my spendingliving money 30,000 as well. Im only making 2 a month off interest. I know nothing about investing. What are my options to invest my money to help it grow faster? Are CDs worth it? Whats a good place to put 30,000 and have it grow? Thanks!  <response>: You really need to read the personal finance wiki.First, get some tax advantaged savings going. You have a lot of options, but picking any option is better than picking no options. While you are educating yourself, here are some alright choices you can make for this year:Open a ROTH IRA1. Go to Vanguard.com and follow the instructions to open an individual ROTH IRA2. Contribute you max for the year probably 5500 for you3. Vanguard will ask you to put that money into an account of some kind. That account will hold your moneys worth of stocks or bonds. I would get VFINX with is an SP500 fund. This is a single fund that disperses your risk over the top 500 funds as measured by Standard and Poors. It is a very safe investment with a yield of around 5-7 over long time horizons.4. Forget about that money until you retire.Does your company have a 401K? You need to get money into it.1. Talk to your employer about increasing your contribution to whatever it will take to reach 18500 by the end of the year2. Make a plan to live on the 24.5K you have remaining in your bank account after the above ROTH IRA contributionAt the end of the year, you will have reduced your pre-tax income by 18500 and you will have 5500 in an account you can withdraw from tax free after you turn 59.5 years old. The ROTH IRA will grow tax free from now until when you retire.NEXT STEP: GET EDUCATED1. Read the entire personal finance wiki. Its pretty good and gets to the point.2. Read Get a financial life The book is cheap and a nice intro for young people doing personal finance. It isnt comprehensive, and its not the last book youll read. This book will tell you how to handle debt, save for retirement, buy a car, and it will help you save to buy a house. Once you have read it and have a solid understanding, you should keep seeking out personal finance knowledge.3. If you plan on buying a home, go to a home-buying class. Your city will probably put some on in the local library. 4. Keep finding and reading books about personal finance. 