<prompt> Human: I have a little over 50k in my savings account. Rather than just having it sit there I would really like to invest it somehow. I was thinking keeping 10k for emergencies, while investing the remaining 40k. The question is what are the best options for my age?Also I have a 401k and am planning to open a Roth IRA in the future.  <response>: I had saved up a little over 100k at that age and was looking to buy a house, new car, etc. Instead, I opted to invest the majority in ETFs and started to learn how to trade options and option spreads.I am now 31 and currently have a substantial portfolio which would not have been possible if I had saved it all for a house, niceties, and only focused on retirement accounts. My advice is as follows: Not sure what your expenses are, but I would keep a little more than 10k as an emergency fund. Maximize your 401k and IRA contributions. Take advantage of other tax-advantaged programs such as HSAFSA if they fit your circumstances. Look into a brokerage and learn about long ETF positions, dollar cost averaging, and how taxes work. This is perhaps the most standard entry into owning a personal brokerage. You can develop your investment strategy from there. Major expenses are sometimes necessary, but unnecessary ones will set your investments back significantly without much need. When you are young, you can afford to take more risk. However, if you do trade individual stocks andor options, make sure that risk is commensurate with the reward and each single position is only a small percentage of your overall portfolio. Time is one of the most important things when it comes to investing in general. Starting young and investing well is one of the best ways to attain financial independence in the far future. Time is also important because your time and energy are limited. The stock market is only one avenue, there are countless others that generate passive or semi-passive income, so take some time to find the method that works best for your lifestylepersonality. 