<prompt> Human: So I never really learned much about investments or personal finances at all, really. Ive been doing pretty well in the past year though. To give a brief summary: - Have a salaried engineering job paying 68Kyear before taxes. - Roughly 3.5K in student debt, Navigant with a 6 interest rate I think. - Car payments 300 mo and all living expenses totals about 1800month, give or take. In the past 8 months at my job Ive put 10K into my savings account. I have a 401K with my company, and Ive maxed out my contribution rate that the company will match dollar-for-dollar. Other than that, though, I dont have any other investments. With the money Ive saved so far, what should I start looking into for investments to make the money Ive saved start working for me?  <response>: First pay off your student debt. Your savings are earning less than 1 and you are paying 6. That still leaves you with 6000 in your emergency fund. Next set up an automatic withdrawal of 450 per month into a Roth IRA with Fidelity or Vanguard or another investment firm. This will allow you to contribute the annual max to your Roth. The earnings of the Roth grow tax free and are tax free when you withdraw them also. Best retirement savings vehicle available. 