<prompt> Human: Im a clinical social worker and I currently make 40k in a Midwestern city. Main expenses are a car loaninsurance 600 per month total and rent 600. I also make about 200 extra per month from tutoring. I cant ditch the car and have found a way to live comfortably with those payments until I pay my car off next November. No other debt aside from student loans, which are on a payment plan and will ideally qualify for PSLF in like 5 years.I just passed my licensure exam and am entitled to a raise at my agency. From talking with others, I know it will be in the 8-10k range. Since Im comfortable now, I think I want to find a way for this additional money to work for me but dont know where to start. I know its not much, but if anyone has recommendations for where to put it, or how I can set it up with to save without me noticing that would be great.  <response>: Open an ira or Roth and deposit the max allowed 