<prompt> Human: Hello, I have a few sources of shame to get off my chest. First, I live with my parents. Second, I have about 25k sitting in my checkings account doing nothing without an IRA. Third, I make about 25-27k a year and am getting laid off in a couple months.My main question is that I want to contribute to a Roth IRA because I have read how valuable it is, the thing is, I have a 401k through my work that has 7k in it. Should I put money in the IRA from my checkings, or wait three months and rollover the 401k to the IRA? If I rollover, what happens to the 1500 as you can only put 5,500 in the IRA? My next question is for some direction as to what to do with the remaining money in my checkings account? Obviously I need to get my life together and move out of my parents, but I live in an area with a high cost of living and I would be losing 100 month even if I rented the dingiest of places. I also have no direction in my life in regards to what I want to do. I dont have any good roomate options and have had bad experiences with roomates in the past that has me set on living by myself. Another thing to add is that I have no debt and never went to college. Any suggestions and criticisms are welcome. Please note, I dont want to come across as bragging about the money. The only reason I have that amount and I know its not that much is because Ive lived with my parents and Im super ashamed about that and that Ive had it in checkings.  <response>: Nothing wrong with living at home. Dude, youre better off than most people who have 0 savings, a bunch of kids, and a spouse that hates them. Congrats on avoiding all that shizz! What I would do in your shoes is save all of your money until lay off time, then go take a trip and travel and clear your mind. Get away from the rat race, decompress and try and figure out your path. Youll get out of your rut for a bit and can hopefully think more clearly. 