<prompt> Human: I am a 24 yr old in the SF Bay Area with about 18k saved up. Im looking for advice on what to do with that money since I feel like there are better things I should be doing with it rather than just watching it sit in a savings account and accumulating next to nothing in interest. I just opened up a Roth IRA with Wells Fargo and placed 1k into it but have not invested that amount into any stocks or mutual funds since I know nothing about the stock market. Should I begin a small stock portfolio, and if so where do I start? Do CDs actually provide significant returns on investment? Any and all advice is much appreciated, thanks!  <response>: at the very least this needs to be in a high yield savings. they are on average 1.90 APY 