<prompt> Human: Ive always been a saver. I live very modestly and I only work part time. I own my own house, but money is still somewhat tight with mortgage and bills etc. I only save about 500month absolute max.I do have 50k in my savings. Long story short I get sick a lot and am always worried Im not going to be able to work and also why I only work part time. My car is old 2004 Toyota, it is reliable, but I figure Ill need to get a new car sooner or later.Besides having an emergency fund, and eventually money for a new car, I feel like 50k is a lot to just be sitting in m savings account not doing anything.I dont know anything about money and finances..besides being responsible and paying my bills I have no credit card debt or student loans etc, basically my house is my only debt and saving money.Should I get a Roth IRA? How do those work? Arent there two kinds Im trying to recall from high school? I dont know anything about the stock market and anything risky scares me.Any advice would be appreciated, thanks!  <response>: Start with the Prime Directive it will answer most of your questions. In short, yea you should be saving for retirement. If your employer doesnt offer a 401k then a Roth IRA is a good place to start. I would open one and max it out for 2017 and 2018. Invest in a target date fund if youre not sure what to do. With the rest of your money you could open a brokerage account or invest in something else. An HSA is a good option if you have one available. 