<prompt> Human: In my early 20s I was drowing in debt, I managed to pay that off 2 years ago and have since saved US15,000. I plan to double this over the next 9 months. Im meant to be fairly financially savvy,, but in reality up until now I have not been. I have access to stock markets in the US and overseas I am not from or domiciled in the US. I want to start earning a return on my money but dont know what to do with it. Index ETFs? Market ETFs? Individual stocks? Help.  <response>: Have you read the FAQ and the sidebar links? 