<prompt> Human: Okay so its not a mattress but a proverbial mattress. Im 32 single and no kids make 50k a year. I currently have 45k in ETF stocks my dad set up this account 5 years ago when he discovered all my money just sits in a savings account. I dont understand investing. 50k in Ally savings account at 1.637; interest. My company matches 537; on my 401k so I have some money in there been putting 537; for the last 6 years, but I have no idea how much. 8k sits in my checking as emergency money. Rent is 800 dollars a month I have roommates. I spend about 1400 a month on other bills, travel I travel once a month, eating out ect. No loans or debts. I save about 500 dollars a month but just throw that into my Ally account.I currently live in a wealthy US suburb. I honestly have no financial goals or dreams, but enjoy travel and rock climbing outside. No idea what I want to do with my life.Ive read the forums but it goes over my head and it overwhelms me. Should I hire someone to deal with my money since I dont understand it? Is that worth it for someone with assets like mine? Other people says I should just buy a house? And other people say I should just invest more. Everything seems scary. I dont anything I have to maintain or think about.Assistant: Whats stopping you from learning how to understand investing?Human: Whats stopping you from learning how to understand investing?Nothing stopping me per-say, but it feels complicated, uninteresting, and overwhelming. Since Im not like my friends who are swimming in CC debt, it honestly it doesnt feel relevant in my life either. In the back of my mind I know its important for me to have a good retirement and future. I want something I can just set and forget, but understand its not realistic.  <response>: I want something I can just set and forget, but understand its not realistic.This is completely realistic. A few hours of reading can make you hundreds of thousands of dollars between now and when you retire. I know that might sound crazy, but the power of compound interest is pretty amazing. Specifically, you want to do research into low cost index funds. These will give you an average annual return of 7 adjusted for inflation.Youve done a great job saving money, and I know you may not be interested in investing, but a few hours of research can make you so much money that it certainly would be worth it. And the only major changes you need to make are the accounts that your money is stored in. Switching from a low interest savings account to a high return investment account is easy and youll be thanking yourself in the future. 