<prompt> Human: About to start a new job where I should have a little under 1k per month left over after paying for everything: tax, rent, other expenses, leisure etc. This may vary month to month depending on how sociable I am and what activities I do, If I go on holiday and splurge a little, but I dont tend to wildly throw money around so just under 1k maybe between 1k and 800 should be relatively consistent.Im 21, and have very little idea about investing. Im happy to lock some of this money away for a bigger return, but also want some of it handy for emergencies. What advice can you give me to effectively invest this to get the best long term return?  <response>: No investing advice here, just wanted to say congratulations on the new opportunity you found! Best of luck with the investingsaving. 