<prompt> Human: I am 23 years old, and have just graduated college last year. I was lucky enough to get a decently paying job 35kyr out of high school which I worked to pay for university. My parents let me live rent free during school which helped out alot also. So for the last six or so years Ive been saving my money and now have 100,000 saved up. Now I rent with my girlfriend and between rent and other life expenses im not using my savings but they are no longer growing. The plan was always to use it as a down payment on a house one day, but I have recently begun to entertain the idea of using my saved money to buy small cafe or something and try to generate a better income. I know that the hospitality industry doesnt have a stellar success failure ratio but I do know several people with extensive restraint management experience .Anyway I guess Im looking for advice on the feasibility of starting a small business to generate a sustainable income, or any other ways I could use this savings to helps myself.After all you need money to make money, so I figure I dont want to waste this by sitting on it.Thanks Reddit :  <response>: Pretty sure everyone here will tell you to not buy a cafe. Thats just not a wise investment. You dont need to use all of your money either. Since you have the money, figure out a solid emergency fund by calculating your total expenses each month, and multiply it by 6-12 months. Being generous, thats probably at least 10-15K. Second, maximize your Roth IRA 5500yr. Do you have a 401K option through work? You should put money in there too. So thats 30K down. You say you want to buy a house. Put 20K to a down payment on a mortgage. Then invest the rest of stable investments. Index funds, bonds, CDs, etc. Then you can let your money make you money. 