<prompt> Human: I have no debt, and only a few monthly annual payments to make. I will be making roughly 30,000 over the course of the year. I would like to make the most of my money that I am not using, but I dont know how to do it. Should I open a savings account and put as much as I can spare every paycheck? Or are there better options? This is all brand new to me.  <response>: Please read I have X in the FAQ. 