<prompt> Human: Just discovered this subreddit and I figure its about time I start doing something with my money. I currently have 34,000 USD in my savings and I have zero debt and a decent credit score. I should have about 40 by the end of the year. I was just reading a post about how its not smart to leave that much just sitting around so please I need help figuring out how much I should keep in savings and what I should do with the rest.  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well. 