<prompt> Human: Hey PF I am currently a 25 yo making a base of 55k15k-20 in commissions, on a good year. I have only about 10 grand save but want to make the most interest as possible. I currently bank with a credit union who I just started to put some money in CDs. I dont need access to my money immediately but dont want them in accounts where I cant have access for more than 24 months. Is it worth putting a few grand in like a 6-12 month CD rather than a savings account? I am wondering where is the best place to put my money when I am not looking for any risks. I currently have 10 grand save and save about 4 grand a month. I currently have company stock and am in their 401k program with a 6 employer match.  <response>: Given your age, Id push you to think about putting some of your money into well diversified stocks. Figure out how much you spend in 3-6 months, and set that as your emergency fund. Credit unions, online savings accounts can all pay 1 and more liquidity than a CD.After that, and youve got your company match, challenge yourself to invest in a well diversified blend of stocks. The power of compounding is in your favor- use it in your favor! 