<prompt> Human: Im 19 years old making 30,000 as a mechanic. I have 10,000 in my checking and savings account. And invest 50 a pay check to a mutual fund close to 3,000. I have no debt or car payment and still live with my parents. What should I be doing with my money to help it grow and be more prepared for my future.Assistant: Do you have any formal education from a trade school or university? Does your employer offer a 401k? Do you have a Roth IRA? Human: I have formal education from a trade school. I do not have a Roth ira. My job does offer a 401k. Would it be better to invest in a 401k or and roth ira.  <response>: Generally, its a good idea to invest in a 401k up to the employer match, then max out your Roth after that.Does your employer offer a match? If not, then just contribute to your Roth IRA. 