<prompt> Human: A few months ago, I went to fill up my tank and realized that I was completely broke and didnt even have enough in my account for gas. At the time I had no savings, no credit, and a part time job. Since then, Ive been promoted to full-time, opened up a savings account with my bank of which i deposited my entire tax return into, direct deposited at least 40 percent of my paychecks into that savings account, and have accumulated about 5000 into the account over the last few months. I opened a secured credit card using it only for gas and grocery purchases to raise my credit and Im currently sitting around the 630 range. Ive budgeted, made healthiercheaper eating choices, and just set up my pretax 401k contributions through my job electing to contribute the most that they will match which is 5. I need on advice on what to do next to continue raising my credit score seeing as Im currently stuck in the 630 range even after making 5 consecutive monthly payments and getting a credit limit raise and if i should take any of my savings and stash it in a high yield online account. Ive read about several of those including Marcus but not entirely sure how it works or which one I should go with. Any advice on what I should do next would be helpful.  <response>: Hey congrats on your achievements! Youve already come a good way.1. My advice would be pay off any debt first andor use at least 20 of your net income to pay off debts asap.2. additional if you dont want to access your savings within the next 10years my suggestion would be to consider investing at least 10 while still in debt or at least 20-30 after being out of debt of your monthly net income in a saving plan of low cost index funds ETFs in the broad market something like MSCI World.3. think about possibilities to create additional income streams through investments with any remaining money after step 12 I got this advice from the book the richest man in Babylon If youre into reading I can highly recommend it. please note Im not a professional advisor and am not trying to play one, therefore can only speak of what worked well for me personally 