<prompt> Human: Im super dumb when it comes to saving and investing. I dont understand amortization. I dont know why banks have twenty different IRAs. Who is this Roth guy? I dont know how to budget. Help! Im scared of the future.  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well. 