<prompt> Human: I am debt free, I make 22,700 a year, I am 20 and almost 21. I have a 401K going through my employer and I have a 3,000 dollar emergency fund. My next thought is to find a better paying job, which I am working on, and to invest in the stock market or a ROTH 401K. I have about 200 a month to use but I just literally do not know where to start or how. Is there an app or something that I go and look at stocks and buy them? Sounds like a dumb question but I just dont know. Thank you to anyone who can help!  <response>: Believe it or not, this is a very common question in this sub. Follow the steps in How to handle in the sidebar to figure out how to prioritize. 