<prompt> Human: Mid 20s...Have approx 40k in my bank account, no CC debt. Have a very good CC score. 3k in index fund should I add more? Basically I have a lot of dispoable income at the moment living with parents but its not helping me sitting around in my bank account.expenses:CC bills average of 700month car insurance 100mnthcar payment approx 170mnthno loans or student debt or anything of that kindSuggestions on how to invest the money? I dont plan on moving out for a while...TYEdit:Formatting  <response>: Wow yeah, youve got a ton of money. 1. Does your workplace have a 401k or similar? You should be maxing that. 2. Leave 1.5k in your checking account and put 5000 or so in a HY savings account for your emergency fund. 3. Open up a roth IRA and put 11,000 in there ASAP. 4. With the rest, you can look into brokerage accounts. 