<prompt> Human: Im about to graduate from university. Ive got a healthy amount in savings 3,000 and I have relatively minimal student loans 3,000. I just filed my taxes, and I want to start investing with my part of my return. What is the best option for a beginner? I dont have the time to learn, study, and manage stocks. Would a Roth IRA be a better choice? I would like to park my money somewhere and watch it grow. Not sure if something like that exists.  <response>: Paying off your loans ASAP will be one of the best investments you can make. 