<prompt> Human: Hi all, I just recently graduated from university and got a job immediately after the summer. My salary isnt all that much but I have zero debtloans to pay back and have been able to save around 5k to date. I was looking into a few options and Id like some help.Should I start a Roth IRA? Should I look at investingmutual funds This has what I have been looking into the most? Or should I spread out the money, say 2.5k in a Roth and 2.5k into investing? Other ideas?Essentially as a 24 year old, what is the best option for the little bit of savings I have? Any help would be great!  <response>: Having 3-6 months sitting in a 1 savings account is totally fine. Dont fret missing out on investment interest on this money. It should be seen as an emergency fund, and will be the vehicle that keeps you from going into debt if something like a hospital visit, or emergency travel pops up. The EF is a very important part of having a successful financial plan. 