<prompt> Human: I have a semi steady income for the past few years 30-40k recently. I have been saving way more than I have in the past.I purchase my own stocks using an app. I was looking into alternatives. Should I open my own personal 401k. I have always had part time jobs so my employers dont provide them. Index funds? Is that better than buying my own stocks. Ira? I dont wanna make under 100k forever. I plan on securing good high paying jobs in the future. I wanna go to college eventually. Im trying to start a personal business, bad idea? What should I be doing right now?  <response>: Never seen anyone refer to their age with decimals. 