<prompt> Human: Without going into specifics there are a few life changes that are coming up and starting in April I will have 400month to put towards...something. I have been thinking about using some of my existing savings and taking the first 3 months and setting them aside for a 1218 month CD. I have also thought of just opening a Roth IRA and contributing 400 month. Another option I have considered is 200month to Roth IRA and then splitting up the other 200 to savingsmoney marketstocksworthwhile?I already have an emergency fund that can give me 3-4 months to live on. I live well within my means and am able to already put 100-200month into savings. What is a good way to split this money up for long term andor short term savings? Am I thinking on the right track. I would love some input as to how to best put this money to work. I know it may not be a lot, but, I want to get the most of it.FYI: I try to live very frugally and I dont plan on spending this on anything frivolous...  <response>: I think everyone here is missing the forest for the trees. Investing is great, but OP has debt. Pay it off first, then start working on savingsretirement.Also, do you plan on buying another car down the road? If so, start saving for it and pay cash. Get this cycle going and youll never have to borrow on another car again. 