<prompt> Human: Im 26 years old, lived, worked, paid off debt, and saved abroad for 5 years after uni, got married, and now looking to settle down in the Pacific Northwest.Weve got a basic plan for starting lives there, but Ive got a few questions for you guys.First, what to do with our 50,000 in cash? After researching, I was hoping to tuck some away in a Roth IRA, but Im not eligible because of foreign earned income exclusion on my taxes. Is making an emergency fund and putting a bit in a credit union CD the best I can do? I am considering starting up a Vanguard account and throwing 10k on taxable savings plan, but I need it to be somewhat liquid.Or should we just wait until we have decent jobs and then use our savings to help us through the start of our careers while still making max contributions to 401ks and IRAs? We are also hoping to get a house in a couple years once we are settled.Next, need a credit card. I was planning on getting a Bofa rewards card, getting the sign up bonus, switching to a better balance card, and then signing up for Chase Freedom. We dont have much credit, but Im pretty sure we can get Bofa cards. Good plan for maximizing bonuses, rewards, and building credit?For jobs: Ive got a plan and a back up plan for getting a decent career started, but it will take around a year to get going. Is there anything wrong with just picking up any jobs I can in the mean time? Will it hurt my resume to be working at Mcdonalds with a uni degree?And lastly, health insurance: Ive been spoiled living abroad when it comes to health insurance, so Im a bit overwhelmed. Will a job at McDonalds or the like give me health insurance now? I havent experienced Obamacare yet. I might qualify for a decent market plan in the short term, but my wife is an immigrant and wont have access to things like medicaid even if we are unemployed. Do we just have to suck it up and pay the for the expensive market plans?I know Im asking a lot, but hopefully my situation is a little interesting for you all. Thanks!  <response>: A year to develop a career...a house in two years...Id hold cash. Theres not much demand in capital markets today for your 50 grand. 