<prompt> Human: Im 25 years old with absolutely no debt. I work a full-time minimum wage job at 9 an hour. I first started saving to have an emergency fund, but I got used to putting away whatever I could afford into my savings account and now im interested in seeing what more I could do to make my money grow? My goal is to buy a house one day.  <response>: If you dont have any retirement, open up a RothIRA with vanguard or whoever and dump 5,500 into that this year. Youll appreciate it much later in life. 