<prompt> Human: Im 23, still live with my parents. Im making 800 a week before taxes and I want to put it to good use and let the money work for me. Ive already invested in stocks before. Made 1.5k on the SolarCity boom when it turned 43. Now I want something more steady and not as risky. Im thinking of networking with my more business oriented friends and seeing if they can hook me up with a broker than knows what hes doing. What are some other options I can take, also what are some ways I can not let my money get eaten up by taxes? I have 6 siblings so obviously my parents get a nice tax return at the end of the year, should I file with them, or does it not matter?  <response>: YOU DO NOT NEED A FINANCIAL ADVISOR, STOCK BROKER, BUSINESS ORIENTED FRIEND. Theyll suck you for fees and depending on the account type and product may actually have no fiduciary responsibility to you. Have you set up a Roth IRA yet? Do that and put in the max 5500. Did you max out your 401K I personally only contribute up to the employer match percent but you can always put in more. Buy index funds, theyre low risk, and have low fees. 