<prompt> Human: Hi all,I know this is something that comes up often, and Ive extensively read the FAQ as well as lurked in this subreddit for a while. However, I have a couple of special circumstances that I cant find any help with.First of all, my interest rates on my accounts are outstanding from my limited knowledge, at least. My sister is a flight attendant with American Airlines, so Im eligible to bank with the AA Credit Union. For checking accounts with 0.01-5,000 dollars they give you 2.25 APY. 5,001 and it goes to 0.25 APY, so Im definitely planning on keeping less then 5,000 in my checking. On my savings account, theres 0.50 APY with no limits, as far as I can tell. So, Im planning on keeping lots of money in there.Second, Im self-employed, so theres no 401k or IRA matching. And before you ask, I make my money self-publishing YA novels. So theres a bit of a risk in that my income can fluctuate. It can go way up some people I know make 50k a month consistently, but it can also go way down.Third, Im going to be moving to Los Angeles in September. Yeah yeah, I know, its an expensive place to live. However, Im moving in with my sister and her husband and were splitting rent, bills, all that stuff.So what should I do with all this money? I really want to look into investing it, but not sure where to start or if thats even a good idea. Should I just sit on it, keeping my savings account full? Is it worth investing in a 401k AND an IRA if theres no employer matching benefits? If not, which one should I invest in? The only thing I know for sure that I should do is get that emergency fund built up.Thanks for taking the time to read this. I appreciate any responses. ETA: I plan on getting in touch with a financial adviser once I move to LA. Just want to get a good idea on what to do before then.  <response>: Wait, youre making good money...as a WRITER? 