<prompt> Human: So my net monthly income after deducting all major expensesrent, food, telephone, internet, bills, transport, tax, insurance contributions is roughly 2500USD. I received this job close to 3 years ago and have managed so far to save a little over 30,000USD.Currently the money is sitting in a saving accounts with roughly 0.1 interest. My question is, how would you invest this 30,000USD if you were in my shoes?  <response>: Read the side bar. It covers everything you need to know.Debt first, then employer-matched 401k contribution, then open a Roth IRA with Vanguard and invest the max 5,500 into a target 2050 fund. Then max out the 401k beyond employer match... 18,000 is the annual limit this year.Then normal brokerage acct. 