<prompt> Human: im 25 years old, work a 13hr job full time in the bay area with no benefits, still live at home with no rentalthough i am looking to move out when i get a better job, and have no debt.i got into an accident a while back in which i got a settlement for. i have about 106k sitting in a rolling 6 month cd, 50k in a structured settlement which will pay out 100k all together in sections every certain amount of years throughout the course of my life, and about 4k in my savings account. ive read a little on roth iras which i see is recommended on here alot but i feel a little overwhelmed with all the info out there. the max i can put in per year is 5500 right? so ill just put that in every year, but what do i do with the rest? im looking for a better way to have my money work for me than having it sit in a cd. what ways can i have my money make more money? i know nothing about finances or investing. advice?  <response>: Do you have a degree? If not, use it to go to college and significantly increase your income. That would pay far better returns than any other investment you can make, assuming you choose a lucrative degree and do well. 