<prompt> Human: Hey guys, Im just looking for a bit of re assurance as Im not entirely sure of myself. Im 23 years old and have been saving for about 4 years, while working with my mom at her restaurant. So I have about 4k saved up in a bank of america savings account. I have been researching into a Charles Schwab account for IRA and Brokerage account so I can start investing some money into the future. Id put 3k into the IRA and 1k into the brokerage account to invest in different things. I do have some money set aside for an emergency fund for about 500 currently. Still live at home with my mom so my expenses are minimal currently. Just wondering if my plan seems to be the best course of action for myself as I do not have anyone to ask about these sort of things.  <response>: Why not max out a Roth IRA first assuming youve made that much in income?Schwab, Fidelity, or Vanguard are all fantastic options for investment accounts. Schwab also has one of the best checking accounts out there if you can overlook the single bank branch location, which is bundled with the brokerage account. 