<prompt> Human: This is my banks rates I dont own a home..renting a apartment so no equity either.Not sure how it stacks up against what everyone else is using. Any kind of info is appreciated all this stuff is overwhelming to me.  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 