<prompt> Human: Howdy. Ive tried to read up on how to best invest my money, but when it comes to personal finance Im a little behind the learning curve, and a lot of it sounds like jibberish to me. Ive always been bad with money, but since my son was born a year ago, Ive suddenly turned around my unbudgeted, unrestrained spending and started to save. Its about time! However, Im having a hard time figuring out how much, and how best to save. So, here are the current details:I make 21.15hrId like to be putting about 15 into 401k my company will match the first 5, but I am not eligible until January, so Im currently dumping 20 into savings and wondering what to do with it.I have a little debt - about 800 left on a fixed payment program for a credit card I used when I was young and a couple thousand left on my student loans; again, on a fixed payment program due to a default when I was younger. I cant really change the amounts currently.My car is paid offI do not use any active credit cards, only cash or debit.So, I guess, here are my questions:1 I have a couple 401ks set up from former employers; what should I do with them?2 Since I cant invest in my 401k currently, how much money should I be setting aside, and where should I be putting it?3 In addition to a 401k, Ive heard of Roth IRAs, but I dont really understand if theyre beneficial to me, if I should set one up, how to set one up, or how much to put in it. Is it better than a 401k?4 I also want to start saving for a house in the next few years; how much should I put aside and where should I put it?5 My fiance is in the military and will have been in for about 14 years when his current stint ends. When he leaves the military, he will have a fairly easy time finding a job that pulls in about 100kyr. Do you guys think it would be more beneficial to stay the extra 6 years and secure a military pension, or cut out and sock away the extra money from a civilian position? I appreciate any and all thoughts.  <response>: Enlisted pension: 50 of base pay paid out every month for 20 years of service; 75 of base pay paid out every month for 30 years. Officers are different and probably better than enlisted retirement.Additional perks: Still have access to bases Commissary enough said and Tricare.If hes still young, just stay the 6 years in and get a new job if he wants when he retires. Feds are still going to send a check.There are also DoD civilian jobs that let you add military years to your retirement.Source: Air Force husband dude guy. 