<prompt> Human: Hey all just looking for a little advice. Some background information:-Around 55k in the bankSavings.-23 years old-Living at home. Moving out in the summer.-No Debt-Minimal retirement savings3.5k in work 401k.-Just got a new job. Pays 40-55k depending on overtime and commission.-Work matches 50 of 4.Im pretty new to investing but Ive been reading up on it. I know that much money sitting in savings is a waste so I want to do something with it.Thinking about putting 5k or 10k if I still can? into a Roth IRA and keeping at least 5k for an emergency fund.Im not sure what to about the rest. Should I look into buying a house or just move out with some friends? Thoughts?  <response>: Personally, If I was your age I wouldnt worry too much about buying a house right now. If the money in the bank is your own personal savings from money you made and not something someone gifted you, opening a Roth Account is a wonderful idea. Id go Vanguard. 