<prompt> Human: Hello PF,First of all, thanks for taking the time to open my post. Much appreciated.So to include more info, I have 800 in debt that is interest deferred. I am making more than the minimum payment, and have timed it so that at the current rate, it will be fully paid before the zero interest period is over. After essential expensesmessing aroundbuying stuff, Im stashing away 2,000 a month. I was supposed to have used this money already to purchase a vehicle, but after checking insurance rates and finding out they wanted 700 a month to insure me, I figured it would be wise to wait until April of next year when some of the more egregious happenings have fallen off my driving record to purchase my car. I have no other savings, and I want to start putting money away for retirement. So my dilemma is this... Should I take a portion of this money Im thinking around 4 or 5k and put it into some sort of investment? I keep reading reports about how the current market is extremely overvalued and is due soon for a reset. I am obviously not an expert on these matters, perhaps the articles were of a dubious nature, but perhaps not.What would you guys do in my situation?Thank you in advance for any help.  <response>: Youre a great little saver, keep going. 