<prompt> Human: Im not sure where to start any research, there seems to be so many different avenues. For a little context, Im pretty young, graduating college this May, and Ive had a savings account since I was a baby thanks parents! but thats about the only thing I know about personal finance. From my last job and the job before that I have a somewhat comfortable amount saved, probably 3 or 4 months of living expenses currently in Boston so costs are a bit high here. My parents are amazing people and provide a lot for me, but as a result the only things I really know how to do is save money and somewhat follow a budget. I got a nice chunk of change as a tax refund this year and I want to do something with it besides putting it in my savings account. Should I go for a 401k not really sure exactly what this is but Ive heard everyone should have one, investing in something, cryptocurrency? Maybe not that last one, Id prefer something that isnt as unstable. Any advice would be great!  <response>: This question has probably been answered 18,000000 times. Please click some of the links on the right to take you to the wiki. There is a wealth of information about taking this next step. 