<prompt> Human: I feel like Ive met all the basics of PF and Im kind of wondering what do I do now? Im 25 single teacher and I make 2,500 a month. I have 10,000 in emergency I just opened up an IRA. There is a teacher retirement system so no 401k to contribute to. I have 2 credit cards that I pay in full every month. I have a car loan for my truck I bought a year and a half ago. Its a 5 year loan 2.6 interest rate and I pay 442 a month for it. What should I do now with savings money? Try to pay off the car loan? The interest rate is low so Ive kind of not worried about trying to pay it off. Be young and free and buy something cool? I currently save 400 a month. This went towards saving enough to open an IRA, saving for a house or something currently 1200, and saving for any big ticket purchase like when I bought a new laptop or football tickets. Im just kind of like okay I hit all the responsibility check lists what now? I appreciate any suggestions. Forgot to mention I have no student loans. I very much appreciate my parents who saved from the time I was born so I could go to college. Assistant: Congratulations! You have an emergency fund so you have to either a Pay off your car loanb Use your money to acquire assets things that bring in more moneyMost people on here would suggest to invest.Human: Can I ask for specifics on what you mean by acquiring assets?  <response>: Roth IRA would be a good start, other wise just generally anything that makes money. If you want you could do real estate for example, but mutual funds EFTs would work as well. 