<prompt> Human: I have about 6,000 in cash saved up from tips, and something like 2,500 in my bank account. As an extremely lucky Millenial who will not ever have to pay off student loans, how should I go about investing this money? Should I look for mutual funds, options in the stock market, or what? I feel like I am very good at saving money, but Im clueless with investing...x200B;As a follow-up, is there any way to build credit without having to pay an interest rate via credit card or random loan? I would LOVE to build credit I dont even have a credit score but given how I pay everything on time and refuse to even flirt with debt, I havent found a way.  <response>: For your follow-up - the easiest way to build credit is using a credit card. However, you are stuck in a common fallacy that you must pay interest on a credit card in order to improve your credit. This is completely wrong. Done correctly, you will never pay a penny of interest and your credit will slowly rise. This correct method is surprisingly simple:1 get a credit card secured if you dont qualify for unsecured2 charge some NORMAL monthly purchases that you would usually buy and that you have the cash in your checking account ANYWAY3 at the end of the month, your credit card generates a statement with all those purchases, and a big old Statement Balance line item with the total4 pay the statement balance IN FULL before the due date. dont get suckered into that lovely looking minimum payment - thats how you start paying interest and how people get dragged down into a spiral of debt5 repeat the above 12 times per year, and in a few years your credit will be cruising. 