<prompt> Human: so im 29 living in los angeles, ive been steady with my sales job at a start up, making 98k before taxes that includes 54k in salary and rest in commissions. i saved 30k in a liquid savings account with wells fargo and i have another 3k in a checking account with 1k in debt with credit.. no other debt.i paid about 30k in taxes and i not married but i would like to get more taxes back. i think a starting a traditional roth ira would is a good starting point, but i really want to save for a down payment on a condo.the question is should maybe i invest in just a liquid account for that down payment or should i invest into sp 500 and get cashed out later when i am looking to purchase. update, wow theres so many response, currently my employer does not match 401k, so i am definitely going to invest in traditional IRA.  <response>: Before you do anything else, pay off your credit card. There is absolutely no reason to have 1k in credit card debt when you have 30k in cash. Any funds you plan to spend in the next 5 years should be held in cash. If youre planning on buying a condo in that time frame just keep the money in an FDIC insured account. I believe Ally Savings has the highest rate. You should also be saving for retirement. You should be maxing out IRA contributions at a bare minimum. You should also be maxing out 401k contributions if your company offers a 401k. If not, you should still be investing through a taxable brokerage. 