<prompt> Human: Im in my late 20s, make 40,000 per year with no outstanding debt. I won 25 grand from a scratcher. I know its not a lot of money but its the most Ive ever had. I want this money to grow and work for me. What should be my next step  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 