<prompt> Human: I should mention that I have no debt. I also have a money market account with around 6k and a roth IRA with 5k through Fidelity. I want to put it somewhere where it is hard to get to otherwise ill spend it and will accrue the most interest.  <response>: Set aside enough for taxes!or at least spend it on something that is tax deferred.1099 income is hit pretty hard and thats what I would assume this income would be considered. 