<prompt> Human: I graduate about 1.5 years ago.I had a full tuition scholarship the first year.I paid my entire loan amount last 3000 today.Now, what can I do to save money? I work hourly and dont have benefits. Expanding my emergency savings now and just got a second credit card with a higher limit I always pay full amount each month on time.Should I invest in funds? I dont have any type of retirement plan in place yet. Help!  <response>: Happy 50th. 