<prompt> Human: Hey all! Like the title says, Im in grad school and I managed to save up about 20k, split between a checking and a saving account. My checking account has no interest and my savings account has an interest rate of 0.01. Im thinking about dropping 10k into a higher interest, low risk investment account, but I really only know about CDs. Are there any other investment accounts that would give a better payout in the end? Im not against doing some research and getting in on stock market trading, but grad school is keeping me pretty busy at the moment, which is why a CD is appealing for the drop it in the bank and leave it type approach. If anyone has any advice on what my best options are, thatd be awesome! I can provide more info too, if needed. Thanks!  <response>: You should read the How to handle the AutoMod linked. Youve probably got a lot of financial steps between where you are now and actively trade on the stock market in a taxable account. Take care of your e-fund, upcoming cash needs, retirement contributions and medium-term goals relocation, large purchases first. 