<prompt> Human: ... well let me rephrase that. Public Librarians dont make much money. I know that, and yet this is my career and Im happy here. With this in mind, I have to figure out how to make the little money I have work for me. I am a 29F Librarian in NYC. I make 58k in change annually, and I have an NY State pension. I also have City Employee Healthcare 0 per month. I get paid every two weeks, with my after-tax pay 1300 and 1421 a month after union dues and pre-tax transit pass etc.My rent is 2600 split-two ways, so 1300 and my other recurring bills are about 200 a month. This traditionally leaves me with 1200 for food, leisurevariable expenditures. I have no CC debt and I have paid off my 70k in student loans, so all of the left over money goes right into my bank account. This year will be my 3rd year anniversary in America, which is to say I have saved up 10k in three years, as I moved here with 300. While I could keep on being frugal, I would much rather put some of that 10k to work for me, though I recognize that my nest egg or whatever is very small. I have it sitting in a TD Money Market account, since it was a step up from the regular savings account. The interest rates are negligible 0.1537; and it is getting me nowhere. I am new to American financial institutions and the best way to grow your savings here in general. In Canada, where Im from, I put all my money in a high-interest Tax Free Savings Account before I left, and Im curious to know if theres something similar here. If this is too much to ask over reddit, I totally understand. If anybody has some sage advice, I will be eternally grateful. Assistant: You paid 70k in student loans to onky make 59k a year? ...Human: SURE DID! I worked full-time during my undergrad and my masters degree, so when I graduated I was able to put 30k down on my loan right away. So technically I paid 38k to make 59k, but yup!I guess I always knew this going into my career. Librarians are one of the lowest, if not the lowest, paying post-graduate degree job. I am really happy though, and without my MLIS, I would have never ended up in New York. Assistant: I mean im not judging. But paying that much for a masters degree and only making that? Bleh.. lol. Not for me. Glad you enjoy it though.Human: Oh, youre 100 right. I just tell myself these nice pretty things about job satisfaction and contributing to the betterment of society or some shit and it helps me sleep at night  <response>: being a state employee means great benefits and retirement, dont listen to that dude 