<prompt> Human: Sorry if this type of post is annoying.My wife and I, in our mid 20s, have 20,000 in our savings account which doesnt earn much interest. We are currently earning approximately 70,000 per year starting recently and renting an apartment for 1,250month New Jersey. We dont really know much about finance or investing. What can we do now to grow our savings?  <response>: Have each of you open a Roth IRA at Vanguard. Deposit 5,500 in each. Keep 9,000 in your savings as an emergency fund. 