<prompt> Human: I rent with a roommate, around 1000 per month all in my partI have no investments, have basically 100K sitting in a savings account. Banks calls me daily asking me what the fuck is wrong with me keeping all that cash liquidMy parents suggest I should purchase real estate and stop wasting money on rentBut I am single, live in an expensive city where 2 incomes are needed to buy a decent home. I have been hesitant to buy a home because I think that should happen after I am in a relationship.I have been thinking about the stock market but I have no idea what the hell to do. I am a complete layperson.I plan to meet with a financial advisor at my bank soon to get their opinion but I am really curious about what you all think. Cheers  <response>: 65 in a US stock market index fund, 15 in an international stocks fund, 20 in a bond market index fund. Never hire a financial adviser unless they are fee-only. Put your money in an account at Vanguard for the low expense ratios. 